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Midland and DOD question

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BluePoodle
Valued Contributor

Midland and DOD question

I have a Midland collections on my credit that was from an old T-Mobile Account. It is on all 3 reports.  It is paid and the original Date of Deliquency with T-Mobile is 5/2008.  Would it be possible to have it removed now? It will only be 6 years this May but I was wondering if anyone has had success getting paid items removed earlier than the 7 year mark?

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 1 of 16
15 REPLIES 15
Shogun
Moderator Emeritus

Re: Midland and DOD question

I'd try a GW since it is paid and see what happens.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 16
BluePoodle
Valued Contributor

Re: Midland and DOD question


@Shogun wrote:

I'd try a GW since it is paid and see what happens.


Does the GW letter go to Midland or the agencies requesting early removal?

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 3 of 16
Shogun
Moderator Emeritus

Re: Midland and DOD question

The GW would go to Midland.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 4 of 16
BluePoodle
Valued Contributor

Re: Midland and DOD question


@Shogun wrote:

The GW would go to Midland.


Has anyone had success with GW letters to Midland? 

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 5 of 16
Shogun
Moderator Emeritus

Re: Midland and DOD question

I have.  Took me 3 I think, it's been awhile.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 6 of 16
BluePoodle
Valued Contributor

Re: Midland and DOD question


@Shogun wrote:

I have.  Took me 3 I think, it's been awhile.


Could you or someone PM me a contact name/address they would recommend at Midland?  Possibly some GW letter examples too?

 

Thank you!!!

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 7 of 16
Shogun
Moderator Emeritus

Re: Midland and DOD question

I just sent to the address on my CR.
Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 8 of 16
BluePoodle
Valued Contributor

Re: Midland and DOD question


@Shogun wrote:

The GW would go to Midland.


Well, I sent off two GW letters today to two different people at Midland. I guess we will see what happens. If they don't remove them then at least I know to watch for them for next June as they will be old enough to be removed then.

Wish me luck!  I'll report if anything good comes of it.

CapOne $7500 | Discover $8500 | Amex ED $25K | Barclay SM $5700 | Chase Disney $500 | Chase Slate $5K | Target $3K | Hilton Amex $2K
Gardening Since 4/3/2017
Message 9 of 16
Shogun
Moderator Emeritus

Re: Midland and DOD question

I'm wishing you luck!  Go get them!

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 10 of 16
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