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Posted: Sat Feb 18, 2006 1:55 pm Subject:

The collection agency does not know that your husband has been a victim of identity theft in the past. He has to show the proof so that they get to know the facts and inform the original creditor about it. Have you filed a police complaint before putting the fraud alert? Also, he should have copies to prove his name, address and other details for verification purpose.

It will be helpful to contact the original creditor and explain the case of being a victim of identity theft in the past. Show all documents that can prove the facts.

LC · Posted: Sat Feb 18, 2006 4:24 pm Subject:

The person from MCM does not seem to care. They have his SSN and name, which matched--and that seems to be all they care about. But when you are married before--your ex-spouse has a lot of personal and confidential informaiton on you that can be used against you.

No, a police complaint was not filed at the time. He did try to call the police department in CA where she was living at the time (we live in AL), and try to get her arrested or something, but they were not interested because the $ amount involved was too small, plus she did not succeed on that particular instance. (Even though she obviously succeeded with FingerHut.)

Guest · Posted: Mon Feb 20, 2006 10:11 pm Subject:

Im having the same issue with this company. They are trying to collect on a card i had 7 years ago that i payed off i have no idea what they are talking about. No one there is helpful on the matter and keep demanding a payment. Im working on sending my first letter out telling they to stop harrassing me. Im trying to resurch this issue and am trying to find out if this company is for real.

Posted: Tue Feb 21, 2006 10:55 am Subject:

Guest, you are not alone in this problem with midland credit management. Since they have a collection agency, send them a debt validation letter to get the actual details of your accounts. They must follow the fdcpa laws before attempting any collections on you. Do you have any proof from your side about this debt being paid? This will be your best defense to prove that they are contacting you with wrong account information.

If you do not want them to call you at your home or your place of work, mention in your cease and desist letter that you prefer to be contacted only by email. This will keep them bounded to follow the federal laws.

charlie murphy · Posted: Mon Feb 27, 2006 3:37 pm Subject: debt owed

Is this the same MCM that is based out of Arizona and if so could you please send me a contact number and mailing address.

Charlie

Posted: Mon Feb 27, 2006 3:47 pm Subject:

Hi Charlie

midland credit management can be reached at 800-282-2644. I know MCM has their corporate office at CA. Here is their address:

Midland Credit Management
5775 Roscoe Ct
San Diego, CA 92123-1356

Consumer Relations
800-825-8131 ext 2980

You can give a call to them and request for more information.

Posted: Mon Feb 27, 2006 8:55 pm Subject: First thing

I had a couple of accounts with midland credit management. I simply disputed them with the CRA's and Midland sent me two letters deleting the accounts. I would try that first. I am new here but it worked for me.

Rosemary Ennis

I am attempting to clear my son's credit history. The cred. rept. shows Midland Credit Mgmt. with Experian, $1410 (credit extension) and Equifas $1390 (collection). Can you please tell me whom to call to negotiate a settlement on this acct.? Thank you.

Posted: Tue Mar 07, 2006 2:23 pm Subject:

Rosemary Ennis,

Call your creditor and see if they can accept payment on this account. If they are interested to work with you, make a written agreement before paying them.

However, if your account has been sold to the collection agency, then you might have to deal with Credit Midland directly. Contact them and ask for debt validation first. If you are satisfied with the validation provided by them, make suitable payment plan.

Again make an agreement before paying, this is important. Keep all the records of your payment to them. And always send your letters through certified mail with return receipt requested. Keep us posted.

AmynJamie · Posted: Tue Mar 14, 2006 9:34 pm Subject: What is the deal?

My husband and I recieved a letter from MCM and they said they would settle for $678 on a $1,131 debt. I have made the 4 payments of $169, like stated in the agreement and the account is now paid off. I have called several times and verified that the account is paid in full and in good standing. That was in Novemeber, 2005. We are now in March, 2006 and I still haven't recieved a letter of verification that the account is paid and the agent has called me twice, urgent calls, but says everything is fine. On my husbands credit report they now have a new entry from MCM that could potentially be negative, but the account is supposed to be in good standing. Something isn't right with this company from what I have been reading on here. What else should we do for this? We are trying to rebuild his credit and haven't been late on anything and have paid off all past due accounts that we can. This isn't helping the cause. Please advise on our next step. Thanks.

Posted: Wed Mar 15, 2006 9:51 am Subject:

AmynJamie, send a letter to the credit bureau that is reporting this collection agency. Highlight the item and request them to verify it. They will conduct an investigation with all your information providers. If your dispute is found correct, you will see its effect on your credit report.

As you have surely paid off the account, ask the CA to validate the debt first. Without having the details in papers, you can't be legally forced to pay anything. Send your letters through certified mail with return receipt requested. This is important because you will have proof of all the actions taken from your side.

Midland Hater

I recently did a free credit report, and saw midland credit management on there. I got the number from this forum and called them to vaildate the debt. The not so friendly gentlemen told me it was past the dispute stage, and they weren't legally binded to send me anything. He said that it was my responsibilty to prove the debt wasn't mine. He offered me a settlement for a crazy amount by the 31st of this month. I told him I wasn't going to agree to anything, and he said there's nothing else he can do, and pretty much hung up on me.

Is working out a settlement with them the only way to remove them from my credit report? Will it always show up with an open status? Can I egg there building?

Posted: Tue Mar 21, 2006 11:28 am Subject:

Midland Hater,

A correct negative entry cannot be removed from credit report. If they are holding your account, they will report to the credit bureau. But you always have the right to ask for debt validation. How long are they holding your account? Did they ever contact you to collect the debt?

IMO, you should send them DV via certified mail with return receipt requested. Once they receive the letter, they have to send you the itemized detail of your account. When you get the validation, check it carefully. You can dispute the incorrect item in the validation within 30 days of receiving it from the collection agency. Go through the article for more details-

http://www.debtconsolidationcare.com/validation.html