How to approach Midland

[bass_playr]

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@FireMedic1 wrote:

Sorry @nmk94 I couldnt answer you in a timely matter. Been running calls since 8am and finally had time to stop and eat and login.

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Hey man, thanks a ton for what you do.  Have been, so I know what it takes to do what you do, and with corona going on I'm sure it's a little crazier than usual.  Mad props to you

[FireMedic1]

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@bass_playr wrote:

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@FireMedic1 wrote:

Sorry @nmk94 I couldnt answer you in a timely matter. Been running calls since 8am and finally had time to stop and eat and login.

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Hey man, thanks a ton for what you do.  Have been, so I know what it takes to do what you do, and with corona going on I'm sure it's a little crazier than usual.  Mad props to you

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Thank You Sir (I think your a he) Its easier/safer than going to a burning meth lab cook house. One breath of that crap your done.

[Anonymous]

Was the 40% ofer given online or call, also in what method did you pay. I have 1 with Midland as well and want to take care of it soon.

[nmk94]

Just an update.

Settled this last week. I made payment on their best lump sum offer, 30% of the balance. Once I made payment, the new balance simply deducted that amount and still showed the remaining 70%, but on the site it says it takes a couple of days to reflect the discount.

True to their word it updated the balance to $0 after a couple of days. (It lists a second payment made for the balance in order to bring it to $0.)

And it looks like it's been deleted from my reports! Only took about a week. (I just checked Experian, will check the other two on Monday.)

Thanks to all, especially @thornback and @Brian_Earl_Spilner for the answers provided to my questions in this thread!

[Anonymous]

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@nmk94 wrote:

Just an update.

Settled this last week. I made payment on their best lump sum offer, 30% of the balance. Once I made payment, the new balance simply deducted that amount and still showed the remaining 70%, but on the site it says it takes a couple of days to reflect the discount.

True to their word it updated the balance to $0 after a couple of days. (It lists a second payment made for the balance in order to bring it to $0.)

And it looks like it's been deleted from my reports! Only took about a week. (I just checked Experian, will check the other two on Monday.)

Thanks to all, especially @thornback and @Brian_Earl_Spilner for the answers provided to my questions in this thread!

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 Woo hoo! Congrats!

[nmk94]

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@Anonymous wrote:

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 Woo hoo! Congrats!

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Thanks! I know it won't affect my score much (if at all) yet because I have another collection and two COs I still have to deal with, but it feels great to knock one off.

[Brian_Earl_Spilner]

Congrats! 👏👏👏 Honestly, after doing it, I wished I had done it sooner. It was so painless.

[thornback]

Awesome!  And congrats!  So...did you happen to gain any points on Experian?

[nmk94]

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@thornback wrote:

Awesome!  And congrats!  So...did you happen to gain any points on Experian?

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I haven't checked my score, just my report. I don't have access to a free Experian score. I'll probably pull my 3B again at some point in the next month or two though*.

Also, another update: I checked CK and this account has dropped off both Transunion and Equifax. So off of all three reports!

Edit: * I still have one collection. So I don't expect my score to go up much or at all until that other colleciton is removed.

[thornback]

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@nmk94 wrote:

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@thornback wrote:

Awesome!  And congrats!  So...did you happen to gain any points on Experian?

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I haven't checked my score, just my report. I don't have access to a free Experian score. I'll probably pull my 3B again at some point in the next month or two though*.

Also, another update: I checked CK and this account has dropped off both Transunion and Equifax. So off of all three reports!

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If you're at all curious,  you could sign up for the $1 / 7-day trial through Experian -- you'll get all 3 FICO 8 scores.  Just cancel before the trial ends so not to incur the monthly subscription fee. 

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@nmk94 wrote:

Edit: * I still have one collection. So I don't expect my score to go up much or at all until that other colleciton is removed.

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Glad to see you have your expectations in check.   I hope there is a bit of an increase for you -- always nice encouragement to see score progress.  Either way -  one collection gone brings you one massive step closer to your goal... so, congrats again!