Internet's first get-out-of-debt community - 136,000 members

Posted: Thu May 18, 2006 7:51 pm Subject:

The phone # of midland credit management is 800-282-2644. You must make sure that Midland has the legitimate details of your accounts. There are many companies that make fake collections and steal money from the people.

Don't rely on verbal communication. Have everything in writing before you send your money. Once you know that they have your account details, insist them to put in writing that they will be updating your file as paid. This will be good for your records.

Alphina · Posted: Mon May 22, 2006 12:38 pm Subject: Midland Credit

I don't like this company. They have me down for a CitiBank Credit card, and I've been trying to call to pay it off, they said that it was sold off to another company called Embrace. I called them to offer a settlement, and they are now trying ot offer me some credit card, of which if I pay $59.00/month, I will get a discount to then settle my Midland account...but htey say they are the same company. I'm so confused, I don't know what they are trying to do, I just want to pay it off and get on with my life. Is there any advise anyone can give. I've been calling Midland to let them know that I've been having a hard time dealing with this company, who is not on my Credit Report, but Midland is. They say that they don't give letters when they transfer accounts...all I have to deal with is the new company. So they pretty much hang up on me all the time. HELP.

Posted: Mon May 22, 2006 1:11 pm Subject:

Alphina

Do you have anything in writing from Embrace? They must give you the necessary information about your account before you make a payment. Send a debt validation letter to Embrace if you have not got anything in writing from them. Send the letter through certified mail with return receipt requested. You will cover your basis after the company has received your mail. Keep the receipt of the certified mail for your records.

FrankL · Posted: Tue May 23, 2006 7:43 pm Subject: Midland Credit Mgmt

I have a mark on my credit from Midland Credit Mgmt. I'm not entirely sure what the orginal account was, but I'm fairly sure it's legitimate. I'm going to go ahead and send them a DV though. But here's what I'm wondering: On my credit report it says the date opened for the Midland account was in 2004. However, I guess that is the date that Midland took it over from the original creditor because the original account was probably opened in 1998 or 1999. Will this Midland Credit account fall off of my credit report 7 years from the original account date or from the Midland Credit Mgmt date? Can I dispute to the CA that the original account is more than 7 years old and get the Midland Credit mark off my credit? Midland seems to be reporting to the CA every month. So, even if I can get it taken off, won't it just go back on when the report it again?

Posted: Wed May 24, 2006 2:35 pm Subject:

Frank

Negative information remains in the credit file for seven years only as per the FCRA laws. This period begins from the date the account first went delinquent. The CA's change the dates in order to keep negative info for longer period.

Make sure that Midland has the correct details of your accounts. It will be a fraudulent activity to hit your file without legitimate purpose. Besides, you must check the SOL period of your state before making any payment on this account. The collector will insist you to make a small payment so that the SOL gets renewed. Be careful on that note.

D. Gibson · Posted: Sun May 28, 2006 10:21 pm Subject: never had a fingerhut credit card

I was called Grarion Garth repsenting your company. he stated i owed 381.35 dollars to fingerhut. HE SAID I USED A FINGERHUT CREDIT CARD TO MAKE A PURCHASE. I nor my wife never owned afingerhut credit card.You must have me mixed up with someone else.Please check your records,and respond to me.I also never used the name D. Gibson to buy anything in my life. He didn't know what i suposley purchased,or when, or what the orignal bill was or the date it was purchased. I also need a copy of the agreement betweeen me and the company you say i owe. Why is this the first time i have been contacted if time supposley debt was made in 2002?

Posted: Sun May 28, 2006 10:41 pm Subject:

Gibson, this is debtconsolidationcare.com, it has no connection with Fingerhut. The page you are visiting is one of the forum pages of this site. You have to contact Fingerhut to discuss about your problem.

BTW, never disclose your personal information while speaking to anyone who you don't know. Collectors try to get your information while conversing with you.

DDDD · Posted: Wed May 31, 2006 2:40 am Subject: Should I care?

I have an entry on my credit report from midland as well. I had a Verizon wireless internet access account several years ago and my access device (a PCMCIA card) broke. After several attempts to get it replaced resulted in several wasted hours, I took the short route and opened a new account and just let the other account go delinquint. The result was a 450-500 unpaid balance.

This got transferred to midland, and now I have 2 hits on my credit report. I make about 70k/yr and have zero debts, save about 40% of my income. Since I don't have any credit cards, my credit report information is extremely out of date - really old address information (like, 12 years old).

Should I even care about this? From the horror stories I keep seeing, even contacting these people to try to improve the score might be a big mistake, and I'm not sure I have a use for a higher score anyway.

Posted: Wed May 31, 2006 3:10 am Subject:

danica · Posted: Fri Jun 09, 2006 7:51 am Subject: midland credit

i have midland credit managment on my credit report and have no idea what it means or who the debt is with

Posted: Fri Jun 09, 2006 12:23 pm Subject:

Danica, Call MCM at 800-282-2644 and inquire about the account reported in your credit file. They might be collecting for one of your creditor. Ask for the details and make payment arrangements with them. Sometimes, the companies do inaccurate reporting in the credit file. Make sure that the information given to you is free from any dispute. If they don't have legitimate details, they have to remove their entry from your credit file as per the FCRA laws.

willard miller · Posted: Mon Jun 19, 2006 12:52 am Subject: your acct #s' 8516789595 & 8516891783

appear on my credit report...i have had no dealings with midland credit managment nor pacific bell.
my credit information is reviewed frequently due to resent theft of veteran's personal information in
washington,d.c.
by accessing my credit report, my privacy was invaded.
correct your information so this want happen to me, again.

thank you.

Posted: Mon Jun 19, 2006 9:35 am Subject:

Willard, you need to contact MCM at 800-282-2644 and correct their records. This website is not affiliated with them.

Posted: Tue Jun 20, 2006 6:54 am Subject:

I just had MCM show up on my credit report a couple of months ago for an account opened with Fingerhut that said I owed over $5000. I never had a Fingerhut account. I disputed with all three credit reporting agencies, and they had since investigated and deleted. If you are sure it's not yours.... maybe it would work for you too as well??

mb · Posted: Sat Jul 01, 2006 7:36 am Subject: midland credit

I pulled my credit report today and there was a collections on there from Emerge Mastercard
with Midland Credit next to it. I tried to call the number the credit report had on it but they didn't know anything about it. They also told me they were not Midland credit but they handeled some of the cases. I asked them for the number and they didn't have the number to call them. I can't find the phone number does anyone know the number to call them or Emerge mastercard.

Posted: Mon Jul 03, 2006 12:25 pm Subject:

Call midland credit management at 800-282-2644 and inquire about your file. If they have your accurate account details, work out payment proposals with them. They will update your account with the bureaus after the account is paid off.

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 136,000 members

Midland Credit Management Inc listed on my credit report

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post