topic Re: Just Zeroed All CC Balances - Next Steps? in Rebuilding Your Credit

Just Zeroed All CC Balances - Next Steps?

mrjhsm — Mon, 07 Mar 2022 05:08:09 GMT

Hey myFICO,

I want to see what you all think would be the next steps for someone on my journey.

Current myFICO score is 626. CreditKarma shows 631.

Took out a personal loan to zero my credit card balances and to have for some collections pay offs as well. Just paid the cards off last week, so they aren't reporting yet as a zero balance. Haven't touched the baddies yet.

Here's a list of everything I currently have out there that's current, balances and limits: (Keep in mind all CC are now $0 as of last week)

1. Car loan, $399 a month. Will be paid off 8/28/23

2. Capital One Quiksilver - $1500 CL

3. Capital One Quiksilver - $1500 CL

4. Capital One Walmart - $300 CL

5. Bank of America CC - $1300 CL

6. Citi Double Cash - $850 CL

7. Citi Simplicity - $700 CL

8. Merrick Bank CC - $1000 CL

9. Target Red Card - $300 CL

10. Personal Loan - $13500, $321 a month

Here's my derogatories:

1. Target Red Card Late Payments - 3 of these at 60 days, honestly an autopay issue where I thought it was being paid and wasn't

2. LVNV Collection - $2888

3. Midland Collection - $2058

4. Portfolio Recovery Collection - $1394

5. I have a Chase card chargeoff out there but it's not reporting currently. It's definitely only a couple years old, so still not rolling off my credit. Got a letter recently from NCI. Balance they have is $5933.10 and letter says they will settle for 1779.83

I have just started looking into my derogs again, so I haven't contacted anyone yet. Figured I would get some insight on here first, and it looks like LVNV and NCI will PFD, based on what I have read here.

My situation:

I don't want a new car. I am blessed with having a fiance that owns the house we're in, so I don't need a score bump for a house purchase. In fact, don't necessarily need credit for anything coming up. I have a nest egg with 4-5 months worth of bills (and building). That will be over 6 months by the end of April. I have enough money to attack some of the baddies and I have money set aside for travel that's happening later this year. I plan on paying off the personal loan in 14 months, which should be easily achievable with the pay bump I received recently. The car, as I said above, will be paid off in 15 months with normal payments. I almost paid it off with the personal loan but stopped myself after I realized that most of the interest is paid off since I am on the back end of the loan and should just keep paying as is. By all accounts, for myself personally, I am the most financially stable I have ever been.

So, if you were in my situation and really had no credit goals beyond fixing your stupid past mistakes.... what would you do in my situation? Here's some more pointed questions that may help you see my mindset:

1. Should I go after the baddies first, starting with those that def will PFD? What about the Chase card that's not reporting right now? Would you still do that?

2. I guess I do have two goals I can think of: CLI across the board (since I barely have over 7k all together), plus a good travel CC for the future. Maybe have a goal of paying for our honeymoon next year with points. So, what could I do to achieve this, starting now?

3. I have my CC balances at zero. I keep reading that's not the best idea for optimal credit score, yeah? So what should I do there?

4. What can I expect as for a bounce on my credit score for paying everything to zero with the new loan?

I think that's it. I apprecaite any and all help!

Re: Just Zeroed All CC Balances - Next Steps?

chiefone4u — Mon, 07 Mar 2022 09:45:59 GMT

@mrjhsm wrote:
Hey myFICO,

I want to see what you all think would be the next steps for someone on my journey.

Current myFICO score is 626. CreditKarma shows 631.

Took out a personal loan to zero my credit card balances and to have for some collections pay offs as well. Just paid the cards off last week, so they aren't reporting yet as a zero balance. Haven't touched the baddies yet.

Here's a list of everything I currently have out there that's current, balances and limits: (Keep in mind all CC are now $0 as of last week)

1. Car loan, $399 a month. Will be paid off 8/28/23
2. Capital One Quiksilver - $1500 CL
3. Capital One Quiksilver - $1500 CL
4. Capital One Walmart - $300 CL
5. Bank of America CC - $1300 CL
6. Citi Double Cash - $850 CL
7. Citi Simplicity - $700 CL
8. Merrick Bank CC - $1000 CL
9. Target Red Card - $300 CL
10. Personal Loan - $13500, $321 a month

Here's my derogatories:

1. Target Red Card Late Payments - 3 of these at 60 days, honestly an autopay issue where I thought it was being paid and wasn't
2. LVNV Collection - $2888
3. Midland Collection - $2058
4. Portfolio Recovery Collection - $1394
5. I have a Chase card chargeoff out there but it's not reporting currently. It's definitely only a couple years old, so still not rolling off my credit. Got a letter recently from NCI. Balance they have is $5933.10 and letter says they will settle for 1779.83

I have just started looking into my derogs again, so I haven't contacted anyone yet. Figured I would get some insight on here first, and it looks like LVNV and NCI will PFD, based on what I have read here.

My situation:

I don't want a new car. I am blessed with having a fiance that owns the house we're in, so I don't need a score bump for a house purchase. In fact, don't necessarily need credit for anything coming up. I have a nest egg with 4-5 months worth of bills (and building). That will be over 6 months by the end of April. I have enough money to attack some of the baddies and I have money set aside for travel that's happening later this year. I plan on paying off the personal loan in 14 months, which should be easily achievable with the pay bump I received recently. The car, as I said above, will be paid off in 15 months with normal payments. I almost paid it off with the personal loan but stopped myself after I realized that most of the interest is paid off since I am on the back end of the loan and should just keep paying as is. By all accounts, for myself personally, I am the most financially stable I have ever been.

So, if you were in my situation and really had no credit goals beyond fixing your stupid past mistakes.... what would you do in my situation? Here's some more pointed questions that may help you see my mindset:

1. Should I go after the baddies first, starting with those that def will PFD? What about the Chase card that's not reporting right now? Would you still do that?
2. I guess I do have two goals I can think of: CLI across the board (since I barely have over 7k all together), plus a good travel CC for the future. Maybe have a goal of paying for our honeymoon next year with points. So, what could I do to achieve this, starting now?
3. I have my CC balances at zero. I keep reading that's not the best idea for optimal credit score, yeah? So what should I do there?
4. What can I expect as for a bounce on my credit score for paying everything to zero with the new loan?

I think that's it. I apprecaite any and all help!

Welcome to the forum.

For best score bump (which you state is not your current goal -- but will help you get that travel card and cli's), you'll want to take care of all derogatory accounts.

LVNV and Midland will typically negotiate AND delete once settled if the account is more than 2 years old.

Portfolio Recovery Collection is also known to negotiate for smaller amount (how much they reduce to tends to depend on original creditor).. once paid they will also delete the derogatory.

I have no experience with NCI, that lower settlement offer sure makes that Collection easier to pay.

F.Y.I. Chase typically needs to be made whole again to ever issue you another credit card. If any of their cards are on your radar now or as a future travel card, you'll want to contact Chase directly and see what they want from you to get back in their good graces.

Be careful with your contact with Chase if you can't/won't pay the full balance including interest immediately, as to not restart the statute of limitations (contact, depending on age; will likely cause it to reappear on your credit reports as well as restart Collection activity, which could include getting a judgment against you).

I would prioritize the debts you can still be sued over, followed by the debts that are reporting monthly.

As mentioned above in my reply, prioritize Chase if you want another credit card from them in the next 20+ year's.

As far as the all credit cards reporting zero, the scoring penalty is around 15 points if I remember correctly... if you aren't making any large purchases any time soon, those extra points will mean very little to you.

Trailing interest could cause none of your cards to report a zero balance BTW.

When you decide those points are needed, just let a (one) statement for one credit card cut with a balance ($5+... but under 29% of limit). You don't have to pay interest, once the statement cuts you can pay in full.

Re: Just Zeroed All CC Balances - Next Steps?

FireMedic1 — Mon, 07 Mar 2022 09:48:18 GMT

@mrjhsm wrote:
Hey myFICO,

I want to see what you all think would be the next steps for someone on my journey.

Current myFICO score is 626. CreditKarma shows 631.

Took out a personal loan to zero my credit card balances and to have for some collections pay offs as well. Just paid the cards off last week, so they aren't reporting yet as a zero balance. Haven't touched the baddies yet.

Here's a list of everything I currently have out there that's current, balances and limits: (Keep in mind all CC are now $0 as of last week)

1. Car loan, $399 a month. Will be paid off 8/28/23
2. Capital One Quiksilver - $1500 CL
3. Capital One Quiksilver - $1500 CL
4. Capital One Walmart - $300 CL
5. Bank of America CC - $1300 CL
6. Citi Double Cash - $850 CL
7. Citi Simplicity - $700 CL
8. Merrick Bank CC - $1000 CL
9. Target Red Card - $300 CL
10. Personal Loan - $13500, $321 a month

Here's my derogatories:

1. Target Red Card Late Payments - 3 of these at 60 days, honestly an autopay issue where I thought it was being paid and wasn't
2. LVNV Collection - $2888
3. Midland Collection - $2058
4. Portfolio Recovery Collection - $1394
5. I have a Chase card chargeoff out there but it's not reporting currently. It's definitely only a couple years old, so still not rolling off my credit. Got a letter recently from NCI. Balance they have is $5933.10 and letter says they will settle for 1779.83

I have just started looking into my derogs again, so I haven't contacted anyone yet. Figured I would get some insight on here first, and it looks like LVNV and NCI will PFD, based on what I have read here.

My situation:

I don't want a new car. I am blessed with having a fiance that owns the house we're in, so I don't need a score bump for a house purchase. In fact, don't necessarily need credit for anything coming up. I have a nest egg with 4-5 months worth of bills (and building). That will be over 6 months by the end of April. I have enough money to attack some of the baddies and I have money set aside for travel that's happening later this year. I plan on paying off the personal loan in 14 months, which should be easily achievable with the pay bump I received recently. The car, as I said above, will be paid off in 15 months with normal payments. I almost paid it off with the personal loan but stopped myself after I realized that most of the interest is paid off since I am on the back end of the loan and should just keep paying as is. By all accounts, for myself personally, I am the most financially stable I have ever been.

So, if you were in my situation and really had no credit goals beyond fixing your stupid past mistakes.... what would you do in my situation? Here's some more pointed questions that may help you see my mindset:

1. Should I go after the baddies first, starting with those that def will PFD? What about the Chase card that's not reporting right now? Would you still do that?
2. I guess I do have two goals I can think of: CLI across the board (since I barely have over 7k all together), plus a good travel CC for the future. Maybe have a goal of paying for our honeymoon next year with points. So, what could I do to achieve this, starting now?
3. I have my CC balances at zero. I keep reading that's not the best idea for optimal credit score, yeah? So what should I do there?
4. What can I expect as for a bounce on my credit score for paying everything to zero with the new loan?

I think that's it. I apprecaite any and all help!

The CA's above in red will PFD. Take the offer for Chase. And. Have 1 card report $20 on statement date then PIF before the due date. Theres a penalty if all card report $0 balance. I'd give more but got to go to work. Others can help too.!

Re: Just Zeroed All CC Balances - Next Steps?

tnhomestead — Mon, 07 Mar 2022 15:51:52 GMT

Like everyone said, pay the baddies and the ones who pfd first. On the AZEO, it does give you a score bump but so what if you don't need it. If you need it, leave 20 on a card for the next month and instant bump. Just sit, stop using cards except what you can pay in full each month. Score will rise high! Finances before fico!

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Mon, 07 Mar 2022 20:08:32 GMT

Awesome, thanks for the insights everyone!

Not really super worried about Chase, so Ill probably just pay it off and PFD.

Gonna go after the baddies now and get those PFD'd.

As for Target, any success out there with GW letters for the lates?

Re: Just Zeroed All CC Balances - Next Steps?

chiefone4u — Mon, 07 Mar 2022 22:20:13 GMT

@mrjhsm wrote:
Awesome, thanks for the insights everyone!

Not really super worried about Chase, so Ill probably just pay it off and PFD.

Gonna go after the baddies now and get those PFD'd.

As for Target, any success out there with GW letters for the lates?

Other's may have better insight, but seems to be hit or miss. Persistence is probably the reason some have luck and Other's don't... could be the explanation/reason for lates too.

If you haven't yet, may I suggest reading through the thread the link in my signature takes you to... Saturation technique seems to work eventually with most lenders.

Re: Just Zeroed All CC Balances - Next Steps?

FireMedic1 — Tue, 08 Mar 2022 00:09:22 GMT

@mrjhsm wrote:
Awesome, thanks for the insights everyone!

Not really super worried about Chase, so Ill probably just pay it off and PFD.

Gonna go after the baddies now and get those PFD'd.

As for Target, any success out there with GW letters for the lates?

Sorry. Chase will never PFD. It will be years paid or not before you get back in.

Re: Just Zeroed All CC Balances - Next Steps?

FireMedic1 — Tue, 08 Mar 2022 00:19:25 GMT

@tnhomestead wrote:
Like everyone said, pay the baddies and the ones who pfd first. On the AZEO, it does give you a score bump but so what if you don't need it. If you need it, leave 20 on a card for the next month and instant bump. Just sit, stop using cards except what you can pay in full each month. Score will rise high! Finances before fico!

@tnhomesteadThe reason we/me push AZEO in this subforums is to teach folks how to handle credit and not pay interest during a rebuld,ect. I have never paid one red cent in interest and wont. Been AZEO since 2015. Didnt stop me. I do run up high amounts. But its paid. In the other high rollers sections yes it may apply if you want to do AZEO or not. Most here need help getting out of a hole or starting fresh. No reason unless its an emergency to carry a balance at any time. Paying interest is like throwing a dollar bill out the window each mile on the highway. Your not going to go back and get it. Its money lost. If so. Then they'll be my next trauma alert Pt. Its teaching disclipline.

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Tue, 08 Mar 2022 00:41:25 GMT

Sorry, I meant pay the CA and then ask them to PFD. Really not worried about getting a Chase card again, though.

Thanks again everyone! I will start contacting these CA's on the baddies now.

Re: Just Zeroed All CC Balances - Next Steps?

tnhomestead — Tue, 08 Mar 2022 03:28:15 GMT

@FireMedic1 wrote:
@tnhomestead wrote:
Like everyone said, pay the baddies and the ones who pfd first. On the AZEO, it does give you a score bump but so what if you don't need it. If you need it, leave 20 on a card for the next month and instant bump. Just sit, stop using cards except what you can pay in full each month. Score will rise high! Finances before fico!
@tnhomesteadThe reason we/me push AZEO in this subforums is to teach folks how to handle credit and not pay interest during a rebuld,ect. I have never paid one red cent in interest and wont. Been AZEO since 2015. Didnt stop me. I do run up high amounts. But its paid. In the other high rollers sections yes it may apply if you want to do AZEO or not. Most here need help getting out of a hole or starting fresh. No reason unless its an emergency to carry a balance at any time. Paying interest is like throwing a dollar bill out the window each mile on the highway. Your not going to go back and get it. Its money lost. If so. Then they'll be my next trauma alert Pt. Its teaching disclipline.

That's why I said pay them all off. Never a word about leaving a balance. OP said he didn't need credit right now, so I suggested pay them off completely. Not sure where you thought I suggested carrying a balance or paying interest. Just wanted to suggest he pay everything to zero and then if he needed the AZEO to leave 20 bucks on a card for that. Have a great day!

Re: Just Zeroed All CC Balances - Next Steps?

FireMedic1 — Tue, 08 Mar 2022 10:28:32 GMT

@tnhomestead wrote:
@FireMedic1 wrote:
@tnhomestead wrote:
Like everyone said, pay the baddies and the ones who pfd first. On the AZEO, it does give you a score bump but so what if you don't need it. If you need it, leave 20 on a card for the next month and instant bump. Just sit, stop using cards except what you can pay in full each month. Score will rise high! Finances before fico!
@tnhomesteadThe reason we/me push AZEO in this subforums is to teach folks how to handle credit and not pay interest during a rebuld,ect. I have never paid one red cent in interest and wont. Been AZEO since 2015. Didnt stop me. I do run up high amounts. But its paid. In the other high rollers sections yes it may apply if you want to do AZEO or not. Most here need help getting out of a hole or starting fresh. No reason unless its an emergency to carry a balance at any time. Paying interest is like throwing a dollar bill out the window each mile on the highway. Your not going to go back and get it. Its money lost. If so. Then they'll be my next trauma alert Pt. Its teaching disclipline.
That's why I said pay them all off. Never a word about leaving a balance. OP said he didn't need credit right now, so I suggested pay them off completely. Not sure where you thought I suggested carrying a balance or paying interest. Just wanted to suggest he pay everything to zero and then if he needed the AZEO to leave 20 bucks on a card for that. Have a great day!

"On the AZEO, it does give you a score bump but so what if you don't need it. "

Thats all I meant.

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Tue, 08 Mar 2022 16:49:04 GMT

Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!

Re: Just Zeroed All CC Balances - Next Steps?

OmarGB9 — Tue, 08 Mar 2022 16:53:54 GMT

@mrjhsm wrote:
Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!

Has it been 2 years since DOFD?

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Tue, 08 Mar 2022 19:05:31 GMT

@OmarGB9 wrote:
@mrjhsm wrote:
Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!
Has it been 2 years since DOFD?

I believe it's very very close to 2 years. Where can I see that? I looked at my TransUnion CR but the account shows when it was sent to Midland, doesn't show the pay history like other accounts show. The OC was Credit One.

Re: Just Zeroed All CC Balances - Next Steps?

FireMedic1 — Tue, 08 Mar 2022 23:40:45 GMT

Pull your free credit reports from annualcreditreports. It should be listed there. Congrats on the other one.

Re: Just Zeroed All CC Balances - Next Steps?

moto4man — Tue, 08 Mar 2022 23:42:52 GMT

@mrjhsm wrote:
@OmarGB9 wrote:
@mrjhsm wrote:
Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!
Has it been 2 years since DOFD?
I believe it's very very close to 2 years. Where can I see that? I looked at my TransUnion CR but the account shows when it was sent to Midland, doesn't show the pay history like other accounts show. The OC was Credit One.

You should be able to find it in the details section of that specific account. On a TU report, it should be listed under "last payment made".

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Wed, 09 Mar 2022 01:33:23 GMT

@moto4man wrote:
@mrjhsm wrote:
@OmarGB9 wrote:
@mrjhsm wrote:
Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!
Has it been 2 years since DOFD?
I believe it's very very close to 2 years. Where can I see that? I looked at my TransUnion CR but the account shows when it was sent to Midland, doesn't show the pay history like other accounts show. The OC was Credit One.
You should be able to find it in the details section of that specific account. On a TU report, it should be listed under "last payment made".

Three things:

1. I tried getting Experian, keeps giving me an error. I am also unable to login to their website. Every time I do, even after changing passwords, it asks me to sign in and then order my free credit report. I do that, click submit, error. Every time. Called the number and that was an exercise in futility. Directs me back to the website.

2. Last night I got my TU report, didn't show payment history on the website and forgot to download the PDF instead. Tried to do that again today, annual CR site tells me to wait 7 days?

3. Got Equifax and downloaded it. Credit One account isn't on there.

Why is this so difficult...

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Wed, 09 Mar 2022 01:41:03 GMT

OK was able to get my TU report downloaded. Still doesn't show Credit One info. Only shows Midland/LVNV and that Credit One was the OC. Doesn't show DOFD

Re: Just Zeroed All CC Balances - Next Steps?

moto4man — Wed, 09 Mar 2022 02:01:02 GMT

@mrjhsm wrote:
@moto4man wrote:
@mrjhsm wrote:
@OmarGB9 wrote:
@mrjhsm wrote:
Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!
Has it been 2 years since DOFD?
I believe it's very very close to 2 years. Where can I see that? I looked at my TransUnion CR but the account shows when it was sent to Midland, doesn't show the pay history like other accounts show. The OC was Credit One.
You should be able to find it in the details section of that specific account. On a TU report, it should be listed under "last payment made".
Three things:

1. I tried getting Experian, keeps giving me an error. I am also unable to login to their website. Every time I do, even after changing passwords, it asks me to sign in and then order my free credit report. I do that, click submit, error. Every time. Called the number and that was an exercise in futility. Directs me back to the website.

2. Last night I got my TU report, didn't show payment history on the website and forgot to download the PDF instead. Tried to do that again today, annual CR site tells me to wait 7 days?

3. Got Equifax and downloaded it. Credit One account isn't on there.

Why is this so difficult...

1. What are you using to try and access your report? A cell phone, or tablet of some sorts? Perhaps try entering through a different browser or on a different device completely. Could you have possibly overlooked one of the required fields and that was throwing the error? I'm sorry, but there are several different errors you could be having. Just trying to narrow it down a little. All this may still have to wait a week per number 2 below.

2. Yep, you already got your copies from them this week. If you have already seen them and closed the window without saving... you won't be able to see it again until next week. If you got locked out/crashed/<>error, then the remaining reports should still be available through ACR. The one that you've already recieved will no longer be an option in the menu. However, if you're getting the 7 day notice, the website thinks you've already gotten all 3 copies this week. In which case... the 7 days it is. Be advised, we only have a limited amount of time to get a free copy every week.

I completely agree, it is a frustrating process more often then not.

Re: Just Zeroed All CC Balances - Next Steps?

mrjhsm — Wed, 09 Mar 2022 03:51:11 GMT

@moto4man wrote:
@mrjhsm wrote:
@moto4man wrote:
@mrjhsm wrote:
@OmarGB9 wrote:
@mrjhsm wrote:
Yesterday I was able to settle PRA for 70%. That should be deleted in around 30ish days.

I called Midland and they said they wouldn't PFD yet because the debt isn't old enough? I'll deal with that later. Will look into LVNV/Resurgent today!
Has it been 2 years since DOFD?
I believe it's very very close to 2 years. Where can I see that? I looked at my TransUnion CR but the account shows when it was sent to Midland, doesn't show the pay history like other accounts show. The OC was Credit One.
You should be able to find it in the details section of that specific account. On a TU report, it should be listed under "last payment made".
Three things:

1. I tried getting Experian, keeps giving me an error. I am also unable to login to their website. Every time I do, even after changing passwords, it asks me to sign in and then order my free credit report. I do that, click submit, error. Every time. Called the number and that was an exercise in futility. Directs me back to the website.

2. Last night I got my TU report, didn't show payment history on the website and forgot to download the PDF instead. Tried to do that again today, annual CR site tells me to wait 7 days?

3. Got Equifax and downloaded it. Credit One account isn't on there.

Why is this so difficult...
1. What are you using to try and access your report? A cell phone, or tablet of some sorts? Perhaps try entering through a different browser or on a different device completely. Could you have possibly overlooked one of the required fields and that was throwing the error? I'm sorry, but there are several different errors you could be having. Just trying to narrow it down a little. All this may still have to wait a week per number 2 below.

2. Yep, you already got your copies from them this week. If you have already seen them and closed the window without saving... you won't be able to see it again until next week. If you got locked out/crashed/<>error, then the remaining reports should still be available through ACR. The one that you've already recieved will no longer be an option in the menu. However, if you're getting the 7 day notice, the website thinks you've already gotten all 3 copies this week. In which case... the 7 days it is. Be advised, we only have a limited amount of time to get a free copy every week.

I completely agree, it is a frustrating process more often then not.

I have tried using the app on my phone and then on chrome on my PC. Not good either way.

I also was able to look into statements on Midland's website. It looks like the DOFD was March 12th if I am reading correctly. 3/12/2020