topic Re: Help With My Credit Repair! in Rebuilding Your Credit

Help With My Credit Repair!

Anonymous — Thu, 07 Jul 2016 21:13:08 GMT

Hello everyone, I have a few negatives on my credit report that I would love to see completely removed, they are not big debts or anything but any advice on the best way to tackles these would be greatly appreciated. Thank You!

Midland Funding *Paid* (2014)

Midland Funding- Owe $587 (Dont want to pay them a dime if I dont have too) (2015)

Credit One Bank (Charge Off, 2015)

Capital One (Charge Off, 2010)

Nelnet- Account current but has 2 120+ late payements on it) (2011)

Nelnet- Past Due (Closed/Transfered, 2010)

EQ- 626

TU- 635

EX- 607

Re: Help With My Credit Repair!

Anonymous — Thu, 07 Jul 2016 22:20:22 GMT

Midland Funding- Owe $587 (Dont want to pay them a dime if I dont have too) (2015)

An item shown as ZERO on your reports is always better than an item shown with a BALANCE. Unless we are both advised otherwise by gurus in these forums, dealing with the above $587 should be a priority. Good luck on your goals.

Re: Help With My Credit Repair!

Anonymous — Thu, 07 Jul 2016 22:27:11 GMT

I understand! I sent them a PFD a week ago and waiting for their response...by the way, I just checked my report and Midland just changed the date of last actviity, is that legal?

Re: Help With My Credit Repair!

Anonymous — Thu, 07 Jul 2016 22:59:30 GMT

Date of Last Activity (DoLA) has isn't important. If they try to change the Date of First Delinquency (DoFD) that's another thing. That's the important date

Re: Help With My Credit Repair!

Anonymous — Thu, 07 Jul 2016 23:10:05 GMT

Oh ok I understand now, Thank You! They also are reporting a past due amount and 120+days past due, Factoring company account. For some reason that is screaming illegal too me. Can they do that?

Re: Help With My Credit Repair!

Anonymous — Thu, 07 Jul 2016 23:41:18 GMT

Can Midland report as the Original Lender? Thats the case on EQ and Credit One is the Collection Agency on EX

Re: Help With My Credit Repair!

RonM21 — Fri, 08 Jul 2016 03:27:14 GMT

On anything not paid, try a PFD, like the one you have in progress. On the lates, you can try to send GW letters for deletion. This goes for any accounts paid already but are reporting also.

Re: Help With My Credit Repair!

Anonymous — Sat, 09 Jul 2016 22:28:51 GMT

Bump

Re: Help With My Credit Repair!

fltireguy — Tue, 02 Aug 2016 14:39:43 GMT

OP, I would highly advise NOT to contact the spammer... you can do it yourself, with the help of others on here, better, and for FREE. Don't pay money for something you can do yourself

Re: Help With My Credit Repair!

Anonymous — Tue, 02 Aug 2016 14:49:32 GMT

Oh I know, I don't fall for these things, I already reported the post. Thanks for letting me know though!

Re: Help With My Credit Repair!

fltireguy — Tue, 02 Aug 2016 15:00:21 GMT

Midland can be a PITA.. I had them on my reports, but after a lot of persistence, I was able to get them to delete the TL... it did take me 6 months though..

Make sure that Midland can prove they actually own the debt..

Re: Help With My Credit Repair!

Anonymous — Tue, 02 Aug 2016 15:05:23 GMT

I did a DV and they sent me statements from the OC, this is going to be my only baddie, I'm thinking about paying them then sending GW letters until they fold!! What's your opinion on this?

Re: Help With My Credit Repair!

righthererightnow — Fri, 05 Aug 2016 21:53:38 GMT

Write a goodwill letter to Nelnet, tell them your situation. Maybe you have foreberance left, maybe there are other options, or if nothing else maybe the goodwill letter will work by itself. Give that a try, getting just a few of those lates knocked off will really help you.

Re: Help With My Credit Repair!

Anonymous — Sat, 06 Aug 2016 00:04:01 GMT

My credit one goodwill was a success and everything else is going to be removed Jan 2017 except the midland funding.

Re: Help With My Credit Repair!

Anonymous — Fri, 02 Sep 2016 13:38:36 GMT

@fitireguy what was your strategy with them to get them to remove it?