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What was your story - did they validate, etc.?
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800FICOwannabe
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Like so many others, I made a settlement agreement for less than the amount and paid the bill before I became a member of the FICO family. I didn't know then that I was supposed to ask for a PFD. When I last pulled my EQ it showed that it was still 120 Days+ past due. So, I sent the email advising that I had paid the bill in April per a settlement agreement and that it was still showing past due, and asked them to remove it from credit files because it was hurting my score and possibly hindering me from getting financing for a mortgage. And they did just that. I sent it to three email addresses that I found on the Board. I was shocked that they responded so quickly.
I really owe alot to you guys! You are fantastic. Since I have been reviewing the Boards I have been able to have 6 medical accounts removed using the HIPAA process, 2 judgments (which IMO was a fluke), and now Midland is on its way out. I still have a few to go, and I have heard that they are pretty tough: Arrow Financial, First Premier Bank and Certified Recovery.
Arrow should be fairly easy - DV them repeatedly. They usually can't validate and will delete.
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800FICOwannabe
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
And don't forget to CMRRR the DV letters - I think this tends to scare them b/c you can then prove your efforts if you ever have to!
Good luck!
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800FICOwannabe
07/01/09 - FICO scores: EQ - 696, TU - 622 (Asset Acceptance reinserted as a new collection)
06/01/09 - FICO scores: EQ - 637, TU - 641
05/04/09 - FICO scores: EQ - 660, TU - 647
04/21/09 - FICO scores: EQ - 711, TU - 642
09/09/08 - Mortgage Enhanced: EQ - 607, EX - 556, TU - 534
Hi Verdict,
Congratulations on your success with Midland as they're not easy to deal with sometimes. Also, I sent you a PM asking you for the email addresses you used.
Thank ya very much!
Check your PM. I sent you the information.
That's some sweet success!!!!!! Good for you!
Mine should be gone so I disputed the fact that they are still reporting. I did this because when I called my old contact there, she said they cant delete, but to dispute with the 3.
Can I get that address too (pleaseplease) & maybe that will be quicker!