Midland Funding....Again :(

[Anonymous]

I certainly will!! I'm in the same boat as you! I sent a PFD just so I can put an end to this misery but If they deny me I will fight to the end and they will fold...persistence is key with these people!! Good luck to you also! 

[Anonymous]

bump

[Anonymous]

Bump

[kennerchick]

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@Anonymous wrote:

Hello everyone!

I just have a couple questions about my credit report.

Midland Funding is reporting a Past Due amount, 120+ days late (Mar & Apr 2016) even tho the OC sold this in 2015, 1 month account and a Factoring Company Account.

Are there any violations here?

Also how hard is it to remove a Credit One charge off account from my report? 

Thank You guys!!

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Reporting as a Factoring Company Account is a no no, reporting days late is a no no as well!  Do your research, there's a lot on this forum and a lot on the interent that will help you.

Read these too.  Good Luck!

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/beware-of-collection-accounts-reporting-as-a-Open-TYPE-Tradeline/m-p/4039300/highlight/true#M420975

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Dirty-Tricks-of-Reporting-Collection-Items-on-your-Credit/m-p/4587103#M486909

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Data-on-Credit-Reports-and-the-business-of-bad-data-yep-I-am/m-p/4611726#M489723

[Anonymous]

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@kennerchick wrote:

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@Anonymous wrote:

Hello everyone!

I just have a couple questions about my credit report.

Midland Funding is reporting a Past Due amount, 120+ days late (Mar & Apr 2016) even tho the OC sold this in 2015, 1 month account and a Factoring Company Account.

Are there any violations here?

Also how hard is it to remove a Credit One charge off account from my report? 

Thank You guys!!

---

Reporting as a Factoring Company Account is a no no, reporting days late is a no no as well!  Do your research, there's a lot on this forum and a lot on the interent that will help you.

Read these too.  Good Luck!

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/beware-of-collection-accounts-reporting-as-a-Open-TYPE-Tradeline/m-p/4039300/highlight/true#M420975

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/The-Dirty-Tricks-of-Reporting-Collection-Items-on-your-Credit/m-p/4587103#M486909

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Data-on-Credit-Reports-and-the-business-of-bad-data-yep-I-am/m-p/4611726#M489723

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This is great info, thanks for posting!

[Anonymous]

Thank you!! I wil certainly do my research and take necessary action!!

[kennerchick]

You both are welcome. Good luck to both of you