Midland

[Anonymous]

I have a Midland item on my TU and EQ reports that are due to fall off in May. They reported that my last payment was on 09/2006, but I have never made any payments to them. I'm in the process of getting a job that will probably pull my CRs very soon, so I'm inclined to dispute the item for re-aging. Has anybody had any luck disputing a Midland account through the CRAs?


Thanks.

[Anonymous]

send them A DV  CMRRR

[Anonymous]

Thanks. But I was hoping to get it out of my CRs sooner because of my potential new employer might do a credit check in the next week or 2. What about disputing online with TU and EQ and also sending a DV?

[Anonymous]

You can try a dispute & see if it drops

[Anonymous]

Hi there, I wanted to also dispute unknown charges I saw on my CR. The Midland credit management address and contact info, however, is no where to be found. Can someone help? Thank you

[Anonymous]

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@Anonymous wrote:
Hi there, I wanted to also dispute unknown charges I saw on my CR. The Midland credit management address and contact info, however, is no where to be found. Can someone help? Thank you

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Date of last Payemnt can't reage your account, the Date of First Delinquincy determines the fall off0date

[learningstage]

where can i find this information in the fcra i have a similar issue and the way they put it ... it is re-aging is determined from Last activity date.... which one is true

//Date of last Payemnt can't reage your account, the Date of First Delinquincy determines the fall off0date//

[learningstage]

BUMP

[Anonymous]

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learningstage wrote:

where can i find this information in the fcra i have a similar issue and the way they put it ... it is re-aging is determined from Last activity date.... which one is true

//Date of last Payemnt can't reage your account, the Date of First Delinquincy determines the fall off0date//

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FCRA Section 605 explains how long items remain on your credit report.

Read this thread about re-aging.....

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=2175

[learningstage]

Wow that really helps... wich brings me to the fact I have a company called dmd financial trying to collect on a debt from a college that i attended and to my knowledge everything was contained within the student loan.. but somehow they have it as a medical payment or debt for the university,... now i never made any agreement or payment on this amount... due to i never knew i had a bill... this was in 2000 it is being reported by the collection agency in 2005 with recent payment activity ... which I am wondering what creative person thought to fabricate payments on a debt I never agreed to or ever made a payment to by the original creditor shaw university ... in my life?  ugh... what process do i take from here