topic Re: MIdland showing late 120 days"Advice Please:)" in Rebuilding Your Credit

MIdland showing late 120 days"Advice Please:)"

Anonymous — Wed, 06 Aug 2014 02:57:57 GMT

Midland is showing late 120 days on my Equifax report. I disputed it with Equifax by fax showing that Transunion and Experian show it correctly and asking how in earth could they be showing this and it not be true. So it shows updated as of 8-1-2014 as late 120 days still which is bringing down my credit score. I have EID to monitor my credit and I pull my reports and fake score everyday. My equifax score keeps going down because of this. And orignal creditor was Fingerhut. What can I do about this if Equifax isn't doing anything it seems. Thanks for the help.

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Wed, 06 Aug 2014 04:41:04 GMT

You can file a complaint with CFPB if it bothers you.
Did you try to PFD MCM?

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Wed, 06 Aug 2014 04:42:55 GMT

I have tried a PFD, it's only been about a week and a half and still no response. Should get something soon.

It seems like Equifax is a pain to deal with when disputing.

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Wed, 06 Aug 2014 04:49:15 GMT

EQ always listens if you file a complaint through CFPB. It is a great tool.

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Wed, 06 Aug 2014 04:50:32 GMT

Will have to try that soon

Re: MIdland showing late 120 days"Advice Please:)"

AlphaKenny — Wed, 06 Aug 2014 05:58:07 GMT

I also use EIDT to pull daily. Midland is also showing 120 late on EIDT.....BUT if you pull your actual report it won't show this. It has to do with the way MPM/EIDT organizes the files.

I pulled my actual reports and Midland is showing as "CA" (collection agency?) in the payment history, which I believe is also illegal. I don't think collection agencies can have an 81-month payment history.

So I would pull your actual reports to check what it really shows. Most likely not 120 late, but I think it will show they are doing something fishy.

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Fri, 08 Aug 2014 15:36:55 GMT

@AlphaKenny wrote:
I also use EIDT to pull daily. Midland is also showing 120 late on EIDT.....BUT if you pull your actual report it won't show this. It has to do with the way MPM/EIDT organizes the files.

I pulled my actual reports and Midland is showing as "CA" (collection agency?) in the payment history, which I believe is also illegal. I don't think collection agencies can have an 81-month payment history.

So I would pull your actual reports to check what it really shows. Most likely not 120 late, but I think it will show they are doing something fishy.

Thanks for telling me. I didn't know this. Wish they wouldn't do that, it was making me crazy lol. 81 month payment history? Im new to all this but that seems weird.

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Fri, 08 Aug 2014 15:42:00 GMT

Hello.

Do you owe Fingerhut money? If yes, how old is the debt? Have you paid it or do you intend on paying it?

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Fri, 08 Aug 2014 15:56:36 GMT

It's from 9/2013(When it went to collections)

I sent out a PFD but still waiting on that to come back, it's been almost 2 weeks so I should get something soon. Yeah I want to pay the whole thing now.

Didn't have a job at the time and went to collections. Everything went to crap around that time. Life lesson lol.

@beautifulblaquepearl wrote:
Hello.

Do you owe Fingerhut money? If yes, how old is the debt? Have you paid it or do you intend on paying it?

Re: MIdland showing late 120 days"Advice Please:)"

Anonymous — Fri, 08 Aug 2014 16:02:38 GMT

Okay. I understand, so your focus is getting the collection agency to remove it after you have paid the bill, correct? What would happen if you sent the money directly to Fingerhut? I hope it works out for you.

If it were me, I would pay the bill and take the ding and consider it a lessoned learned.