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im really confused now

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cqdealer711
Frequent Contributor

im really confused now

I sent a PFD to Midland back on 2/14/13.  however about 5 days later i decided to dispute it with EQ and EXP based on other information that I had learned and the TL was removed within 2 days.

 

I then got a letter from Midland today which is below.  This doesnt seem like they are asking me to pay anything now.  Is this a response to my PFD? or to the CRA's investigating? Im really confused now  Smiley Surprised

 

 

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Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


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Message 1 of 16
15 REPLIES 15
Repo-ed
Senior Contributor

Re: im really confused now

Reads as they are deleting either the entire TL or incorrect info within the TL from all 3 CRA's

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 2 of 16
DaBears
Senior Contributor

Re: im really confused now

That letter would state they are deleting the TL from all 3 CRA's

Message 3 of 16
cqdealer711
Frequent Contributor

Re: im really confused now

ok so they are not agreeing to my PFD letter? 



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 4 of 16
MePlusThree
Established Member

Re: im really confused now

Sounds to me like just deleting. No need to pay.

FAKOS: TU 663 EX 668 EQ 685
Message 5 of 16
guiness56
Epic Contributor

Re: im really confused now

Message 6 of 16
cqdealer711
Frequent Contributor

Re: im really confused now

thats no good, i wanted to pay for it, so now it may show up under a new CA and ill get dinged again?



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 7 of 16
guiness56
Epic Contributor
Message 8 of 16
cqdealer711
Frequent Contributor

Re: im really confused now

not sure, i havent tried calling them since it was being reported by midland, however they were both reporting a balance so I may try calling them soon, it isnt for very much , i think around 500 dollars.



Starting FICO Score: 10/1/12--EQ 512 | TU 492 | EX 524
Current FICO Score: 2/22/14--EQ 705 | TU 703 | EX 716
Goal Score: 700+


Take the myFICO Fitness Challenge
Message 9 of 16
guiness56
Epic Contributor

Re: im really confused now

If they are both reporting a balance that is an indication that the OC still owns the account.  Or the OC sold it and is reporting incorrectly.  Either way you should call and find out.  If they sold it be sure to tell them they are reporting a balance and it has to reflect 0.

Message 10 of 16
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