Congrats on the deletion. I also had a deletion from Midland Funding on a old Cap One account. They sent me a letter stating that while they investigated the dispute they would temporarily delete the record from all three credit bureaus. That they did. After 30-45 days I received another letter from midland funding saying that they could not verify the debt and that the account would not be reported to the credit bureaus. I was excited.
Congratulations! Great job.
"The representative told me that, in fact, since my account had a DOFD on >2 years, my account qualified for immediate deletion and it would take 3-7 business days." - I was curious about this part though. I currently have a midland TL I'm trying to get rid of, it's already paid in full and they told me their policy is deletion only after DOFD is 7 years old, but they will stop reporting monthly after DOFD is 2 years old. I confirmed this policy on their website. My DOFD is over 2 years old, so do you think I could convince them to delete it like you did?
I was wondering if you account was near a pre legal part? I have been calling them speaking to many diff representatives and they won’t take my 1200 and then the final 1525 I told I got now since I got some loan money from family member. My original balance is 2500 but every representative won’t take my 1525 offer , which I don’t understand . I told them I don’t have any more money and told them I don’t understand why you can’t take 1525 but they rather take 0 lol. Should I be more blunt with them and tell them 1525 or nothing at all...like how you told them ? Seem like they rather send my account over to attorney for lawsuit judgement then take my 1525. Will asking to speak to supervisor help the, accepting my 1525 offer ? They told ,e I have til end of month to take the standard offer of 1950 or it goes to attorney but I told them I got no money left.