We had success with Midland earlier this year. I thought it was going to be a drama, because they were reporting as late every month, on a collection account that was sent to them a few years ago. The amount was wrong, we tried disputing but didn't get anywhere and they continued to report. We are trying to get a house this year so needed to get it off, so decided to PFD. When we called to get the information (yes I realize we should have been doing it all in writing) they told us they couldn't speak to us, that the account had been sent to their "legal" dept.. They gave me a number for them, we called them....they said it had been sent to another credit collection agency called Leading Edge Recovery. We got their contact info, made a deal with them, and paid it. They told us it would come off our credit. A few weeks went by with no deletion, during that period they reported late yet again. We called Leading Edge, got a letter in writing from them, called MCM who finally agreed to speak to us, faxed them the letter from Leading Edge. A few days later....Gone! I was so excited! We actually had success with getting all of the ones we paid deleted within a two month period and raise my husbands credit score from the 580s in January, to 676-691 in May on all three. We are trying to get a Rural Development loan and needed a 640 as our lowest number, so we are finally ready to apply!
Thanks to you guys and all your advice!
Starting Score: 644 (EQ) 05/15/10 
