topic Re: tmobile / midland funding in Rebuilding Your Credit

tmobile / midland funding

mossmanb5 — Wed, 14 May 2014 05:08:28 GMT

i currently have midland funding after me for an old tmobile account. the account is 938.00 but they keep offering me a paid in full 1 time offer of 374.30 at 60 percent off. this wont come off my report till around 2017. is it a good idea to take the offer? will it help showing a zero balance? i tried several times to pfd and never any luck. i plan on trying for a mortgage in the next year or year in a half ?

Re: tmobile / midland funding

Anonymous — Wed, 14 May 2014 05:31:40 GMT

I was in the same situation with a T-Mobile/Midland collection. I walked into T-Mobile and paid them directly. I then emailed the executive officer at midland asking them to remove the trade line. I just got a letter from midland saying they have instructed all three reporting agency's to delete the trade line. Hope this helps.

Re: tmobile / midland funding

mossmanb5 — Wed, 14 May 2014 05:38:31 GMT

@Anonymous wrote:
I was in the same situation with a T-Mobile/Midland collection. I walked into T-Mobile and paid them directly. I then emailed the executive officer at midland asking them to remove the trade line. I just got a letter from midland saying they have instructed all three reporting agency's to delete the trade line. Hope this helps.

did you have to pay the full amount? its easier for me to pay only 30 percent then the 100 percent.

Re: tmobile / midland funding

guykara — Wed, 14 May 2014 13:48:25 GMT

Of course it's easier I think for this method to work, you will need to pay the full amount directly to T-Mobile. I also did this recently, and paid the full about ($230 or so). Now waiting for the trade line to be deleted, but was told my T-mobile that it would be.