topic Re: MIDLAND in Rebuilding Your Credit

MIDLAND

Anonymous — Wed, 30 Dec 2009 16:38:29 GMT

I have an old verizon acct that was sold to Midland. I dv Midland several months ago, and never heard anything back. What do I do now? They are on my credit report now. I issued a complaint to FTC. Other than that should I be doing something else?

Re: MIDLAND

LIGHTNIN — Wed, 30 Dec 2009 18:10:55 GMT

How old is this verizon account? Is it close to falling off your CR's?

Re: MIDLAND

laz98 — Thu, 31 Dec 2009 01:39:54 GMT

i have an old verizon/midland account on my reports as well (well, on 2 out of 3). it should come off in 2011. i'm just waiting it out.

Re: MIDLAND

RobertEG — Thu, 31 Dec 2009 03:45:44 GMT

Your FTC complaint was most probably a waste of time. There is no provision of the FDCPA that requires a CA to ever respond to a DV letter.

All that FDCPA 809 basically does is to prevent them from conducting further collection activity until, and if, they choose to respond. The FTC has no apparent basis for enforcement of a violation of the FDCPA.

If it is Verizon acct, it is most probably a telecomm debt, which has a federally mandated SOL of two years. So you may have shelter against legal action, but that is separate from credit reporting.

If you want it removed from your CR, then I suggest a PFD offer to Midland.

Re: MIDLAND

Anonymous — Sun, 03 Jan 2010 01:17:28 GMT

Sorry it took me so long to respond. The Ver/ Midland acct comes off my report in 2011. I will just wait. Thank you all for your response

Re: MIDLAND

lexus400 — Sun, 03 Jan 2010 01:36:24 GMT

I am having the same problem, im trying to do a PFD. If it does not work i will just wait until sept 2010. Good luck to us all