Midland MCM Collection

jmr2012 · ‎03-26-2013

I have a question about a collection account I have for a Tribute mastercard that was charged off. It is now with Midland MCM. On my report it says date opened Sept. 2009, date of last activity Sept 2007. It also states that it is an open account. My question is have to I determine the date it will fall off? Is it Sept 2014? Also, has anyone had any luck with offering a PVD with this company? I'm really trying to clean up my credit so I can purchase a home in the next two years.

Thanks!

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Shogun · ‎03-26-2013

The date opened is just the date that Midland got the account. It does not set the clock. However the date of last activity, or DOLA doesn't either. It could be the DOLA or it could be an earlier date.

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dpittsmd1985 · ‎03-26-2013

As far as PFD Midland seems to be hard core in saying "NO". My husband had a couple of accounts go into collection with them and he offered PFD....Eeryone we spoke with at the CA refused.

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missywilliams · ‎05-24-2013

I have a couple accts with them and it seems they wont do a pay for delete ... if you find something out otherwise... please let me know!!

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Melanie220 · ‎05-24-2013

When was the account opened. I had an Aspen MC opened in 2006 or 2007 I can't remember exactly. Anyway the FTC shutdown the company and they're suppose to cease all collection activities on accts. look for 2008 Ruling on FTC VS Jefferson Capital if this applies to you. I was able to get MCM removed from EQ using this info. (EQ was only CRA reporting)

Melanie220 · ‎05-24-2013

Also I disputed directly with CRA

missywilliams · ‎08-20-2013

I did a debt validation letter and they removed all accts! I guess they keep poor records

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fixmycred14 · ‎08-20-2013

Hmmm....really? That's great! They are the most recent CA on my account for $151, so I opted for a PFD. Waiting to hear back...

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mtrsprt · ‎08-20-2013

Go to Annual Credit Report.com and pull your EQ and TU reports. It's free, and it will show you when negative accounts,C/O's, and Collections are scheduled to be removed from your report.

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