topic Re: Midland and DOD question in Rebuilding Your Credit

Midland and DOD question

BluePoodle — Mon, 07 Apr 2014 19:05:41 GMT

I have a Midland collections on my credit that was from an old T-Mobile Account. It is on all 3 reports. It is paid and the original Date of Deliquency with T-Mobile is 5/2008. Would it be possible to have it removed now? It will only be 6 years this May but I was wondering if anyone has had success getting paid items removed earlier than the 7 year mark?

Re: Midland and DOD question

Shogun — Mon, 07 Apr 2014 19:11:02 GMT

I'd try a GW since it is paid and see what happens.

Re: Midland and DOD question

BluePoodle — Mon, 07 Apr 2014 19:14:26 GMT

@Shogun wrote:
I'd try a GW since it is paid and see what happens.

Does the GW letter go to Midland or the agencies requesting early removal?

Re: Midland and DOD question

Shogun — Mon, 07 Apr 2014 19:15:48 GMT

The GW would go to Midland.

Re: Midland and DOD question

BluePoodle — Mon, 07 Apr 2014 19:20:57 GMT

@Shogun wrote:
The GW would go to Midland.

Has anyone had success with GW letters to Midland?

Re: Midland and DOD question

Shogun — Mon, 07 Apr 2014 19:30:45 GMT

I have. Took me 3 I think, it's been awhile.

Re: Midland and DOD question

BluePoodle — Mon, 07 Apr 2014 19:34:31 GMT

@Shogun wrote:
I have. Took me 3 I think, it's been awhile.

Could you or someone PM me a contact name/address they would recommend at Midland? Possibly some GW letter examples too?

Thank you!!!

Re: Midland and DOD question

Shogun — Tue, 08 Apr 2014 03:30:29 GMT

I just sent to the address on my CR.

Re: Midland and DOD question

BluePoodle — Tue, 08 Apr 2014 20:52:44 GMT

@Shogun wrote:
The GW would go to Midland.

Well, I sent off two GW letters today to two different people at Midland. I guess we will see what happens. If they don't remove them then at least I know to watch for them for next June as they will be old enough to be removed then.

Wish me luck! I'll report if anything good comes of it.

Re: Midland and DOD question

Shogun — Tue, 08 Apr 2014 20:57:57 GMT

I'm wishing you luck! Go get them!

Re: Midland and DOD question

BluePoodle — Tue, 08 Apr 2014 20:59:22 GMT

@Shogun wrote:
I'm wishing you luck! Go get them!

Thank you and thank you for your help!

Re: Midland and DOD question

BluePoodle — Wed, 23 Apr 2014 04:42:18 GMT

Well it has been two weeks and I still haven't seen any changes to my reports or heard from Midland. However, I had pulled copies of TU and Ex from AnnualCreditReport.Com and learned that it is scheduled to fall off on 10/14 regardless! I am hoping that since it is only 6 months out, that they will drop it. I also put in requests with CB requesting they be dropped off. I really would love to see these gone for May reporting!

Re: Midland and DOD question

BluePoodle — Wed, 23 Apr 2014 17:48:40 GMT

TransUnion deleted the Midland Collections from my CR!

I was not due to the GW letter. It was due to the fact that they were within the 6 month period for deletion and so I filed a dispute to have deleted!

Either way, I am happy! Now two more to go!!

Re: Midland and DOD question

RobertEG — Wed, 23 Apr 2014 18:09:00 GMT

Note that contacting the furnisher of the information is a totally different process than contacting the CRA for earlier exclusion.

CRAs are required to monitor the reported DOFD, and ensure that they excluded the collection from any credit report they issue after 7 years plus 180 days from the DOFD.

They dont "delete" the collection from the consumer's credit file, they discontinue showing in subsequent credit reports they issue.

The debt collector has no involvement in that process beyond having provided the accurate DOFD.

Requesting a CRA to exclude at an earlier time is not an issue of inaccuracy of reporting, and thus not a disputable matter. It is a request for their admin action at an earlier time.

You can alternately contact the debt collector and request that they delete their reporting. Then CR exclusion becomes moot.

Re: Midland and DOD question

BluePoodle — Wed, 23 Apr 2014 18:34:29 GMT

@RobertEG wrote:
Note that contacting the furnisher of the information is a totally different process than contacting the CRA for earlier exclusion.

CRAs are required to monitor the reported DOFD, and ensure that they excluded the collection from any credit report they issue after 7 years plus 180 days from the DOFD.
They dont "delete" the collection from the consumer's credit file, they discontinue showing in subsequent credit reports they issue.
The debt collector has no involvement in that process beyond having provided the accurate DOFD.
Requesting a CRA to exclude at an earlier time is not an issue of inaccuracy of reporting, and thus not a disputable matter. It is a request for their admin action at an earlier time.

You can alternately contact the debt collector and request that they delete their reporting. Then CR exclusion becomes moot.

Not exactly sure what your point is. I did both, contacts creditor and CRA. Since my dispute was with TMobile and never Midland it actually was a disputable matter. Regardless, it is deleted.

Re: Midland and DOD question - Updated

BluePoodle — Tue, 01 Jul 2014 20:37:47 GMT

Thought I would update! Experian called me today and told me they will be deleting my Midland Collection 3 months before it was planned to be removed from my CR. I had spoken to them last week about it and asked a CSR to forward the request to a manager. They took my number and then called me today to inform me that it would be removed on Aug 15th from my CR.

EQ is the last one I have to address.