Midland Credit Management Inc listed on my credit report

Dave Verizion has always been very good to me. I am sure there is a mistake somewhere. You are welcome thats what we are here for. KYSIDE38

I agree

Hello,
I have a question. I have a midland credit management collection show up on my report for Fingerhut, and also had a Fingerhut account show up on my report. I disputed both online through experian and Fingerhut was deleted in about 3 days from dispute. I never had these accounts and Midland sent me a letter to send them anything that I have to prove that I don't owe them anything. How can Fingerhut (the original creditor) remove itself from my report because they know it wasn't my account, but the collection agency show that it is valid to the CAs? How do I go about getting them off my report? Any and all info would be greatly appreciated. Thanks again.

hello, i was looking over my credit report and found you on it. i have no idea what it might be from. i know my soon to be ex-wife paid the bills, but now i don't know for sure. so please tell me how i can find out how to repay these account off and "kindly" remove you from my credit report. i can't call you right at the monent, because i am currently stationed in iraq. thanks for your time. have a great day, henry

SOUTHWESTERN BELL D B A AT T Acct #: 851761XXXX please tell me what this bill is from. i cannot recall having a southwestern bell bill. please let me know, thanks.

Henry this is a forum that discusses debt. We are not a loan company or collection agency. If you have debt issues please register and join us in the discussions. Best Wishes Kyside38

I have a bit of a situation here, i have just been served papers yesterday stating that i am being sued by MCM for a credit card debt that i dont ever recall having.They claim that the account was owed over three years ago, but i never had a card at that time.My court date is set for the 25th of this month,any advice on how to proceed?

I have had the same problem with this company I have disputed several times. They have not provided me with anything in the past year. Although my credit report shows disputed that does not help me, when I am getting denied apartments, and jobs.

How do I contact Midland Credit MGNT

There is a debt listed on my fiancee's credit report with Midland Credit mngmt. in the amount of $134.00 The original creditor is listed as SBC ameritech. It states that it was last active 6/06 but how can that be when we have not had a phone with SBC Ameritech or anyother phone carrier since at least 2002. I contacted SBC to see if i could just pay them rather than this shifty collection agency. They stated that it is out of their hands and the only way to get rid of it would be to pay the collection agency. Should i call and make a payment by phone. Can a make a deal with them to pay 50cents on the dollar. In other words how should i go about getting this off of his credit report?

Are you not sure if this debt belongs to you or not? It is the responsibility of the debt collection company to give you the info if they are attempting collections. You should make them validate because you have the legal rights protected under the FDCPA laws. Once you get the info, make payment arrangements as it suits best. But for now, you have to ask for the info in writing.

this debt is his i am not concerned about that i guess. I am just wondering how should i go about resolving this debt. He has this item and 2 others on his reports. I originaly was going to just call these places and set up an amount that they would consider as payment and pay them over the phone. But would it be better to mail them a request for validation of the debt first? (even though i am pretty sure its valid). If so then once the debt is validated by the collection agency, how to i proceed to pay it? I have been reading things that tell me that all correspondence should be done by certified mail and not to talk to any collector over the phone. What steps should i take to pay these debts?

in addition to the notes i entered above... i dont know if this makes a difference or not but these 3 items i am referencing to are on his credit reports but none of these collection agencies are contacting him reguarding the debts. He is not receiving any phone calls or letters from these collection agencies. We just want them off of his credit reports so that we can start to repair his credit

yesterday i received a letter from a company stating i was being sued but they would offer to represent me in coming to a payment plan with this company. today i got a summons to appear in court in 2 weeks. i have never heard of this company before. i got a copy of my credit report and they have hit it at least 9 times in since 2005. they list the original creditor as "associates" very vague. it is listed as going to collections in 2005 but it is scheduled to come off my report in May of this year. my problem is, i have no idea what/who the so called original bill is from. do they not have an obligation to tell you who the original creditor is, and when and from who they aquired the account. it doesnt even say on the summons, just 'associates' so i have no idea what i should so about this in court, i dont want to pay for something that has already been wiped out or i dont owe. can anyone advise?

pinkey_sas; Sit down with him, be patient (not bossy) & explain why he needs to get involved & get them cleared up & that it's important for to do so. Also, he needs to send a well crafted latter of debt validation to them, they have to respond likewise & prove ownership,ect.

Send the debt validation letter because this is the first legal step by which you'll be sure that the CA is doing legitimate collections. Send the letter through certified mail return receipt requested. Once they have received the letter, they will be forced to give you the details. If it's a mistake, they will have to correct it.

In case, if they try to prove your avoidance in paying the debt and file a legal case against you, the debt validation letter must be your important defense. Send a dispute letter also mentioning that you are not aware of the account ever used by you. Show the dispute letter when the judge asks for it. You have to cover your grounds strongly while dealing with the debt collection companies.