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 Posted: Tue Jan 31, 2006 10:29 am |
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Ok....Going through my Experian currently..
I have TWO entries from Midland...Both for the same account/number.
One of them says, "Unable to locate individual 1/11/06-1/11/06", They have not tried to contact me! Not by telephone, or mail.
The second one is also from 6/05
I made a payment last summer, and it is not reflected.
Has anyone had to deal with these people? What does this mean? Should one of these be removed??? Also each account has a different office address...I've been dealing with a guy in Missouri??
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Jessi
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| Posted: Tue Jan 31, 2006 10:52 am |
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| Quote: | | I have TWO entries from Midland...Both for the same account/number |
Okay, you need to go on line to Experian and dispute this, tell them they have the same account listed twice. If they are in fact the same account, as you said it is, they should remove one.
| Quote: | | Has anyone had to deal with these people? |
Its weird but I am dealing with them in a round about way. I don't really understand it. It was a fingerhut account of my husbands. It went into charge off mode, then last summer we heard from a collection agency on it and we are currently making payments on it through the collection agency. BUT collection agency doesn't list it as being 'fingerhut', they list it as Midland being their client. So apparently, midland took on the account from fingerhut and now CA is collecting for midland. I addressed this in the forum once, I asked could a collection agency collect for a collection agency. which seems to me what is going on here in my situation.
| Quote: | | Also each account has a different office address...I've been dealing with a guy in Missouri?? |
I don't understand why they don't have the same address as each other, if thats what you meant. But its not uncommon to have a few different addresses for the same debt. For example, Home depot has several and so does wells fargo. You might have been dealing with a payment office and the address listed on the credit report is the corp office. so the address being different from the place you send the payments to, doesn't really mean anything. But now, the two having different addresses from each other, I don't know about that. YOu definitely need to approach the credit bureau about these reportings and also, if you're up to it, give Midland a phone call and ask them about it. Or, if you don't want to deal with them over the phone. write them a letter.
maybe someone else here has some better advice, I'm just telling you what I would do if it were me. shirley
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imkimssister
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| Posted: Tue Jan 31, 2006 12:01 pm |
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I entered in a dispute, so we'll see what happens. I'm also going to call the guy that took my payment and see what he has to say. I'll have to do that tomorrow because my paperwork is at home.
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Jessi
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| Posted: Tue Jan 31, 2006 12:28 pm |
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Here is the address to contact Midland Credit Management:
Midland Credit Management
5775 Roscoe Ct
San Diego, CA 92123-1356
Place a dispute in writing with MCM also. They will verify your accounts and report the bureaus accordingly. You might need copies of your payment receipt to prove the payment being done.
You can tailor this letter according to your specific needs and send it through certified mail/return receipt requested.
| Quote: | YOUR NAME
ADDRESS
CITY, STATE, ZIP CODE
SOCIAL SECURITY #
ACCT #
Midland Credit Management
5775 Roscoe Ct
San Diego, CA 92123-1356
Date:
To Whom It May Concern:
My credit rating was negatively affected by your entry to the <CREDIT BUREAU> that showed a past due status of my account with you. I have since satisfied this debt. Therefore, I request that you submit a statement to <CREDIT BUREAU> that reflects the fact that the debt has been paid in full.
Thank you for your attention to this request.
Sincerely,
Your Name
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david
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| Posted: Tue Jan 31, 2006 1:33 pm |
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I will definately send that out first thing tomorrow.
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Jessi
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| Posted: Fri Jun 23, 2006 10:36 am |
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I have recently recived a copy of my credit report. Now I have to go around and find out who all these people are. I have never heard of Midland credit. Further more the Date open spot on my report shows 6/1/2005... I was In Iraq and couldn't have bought anything. So If there is any information that you all might need to figure out what is going on please E-mail me back thank you
Sam Shea
E-mail address removed for your safety--Jessi
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Samuel Shea
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| Posted: Fri Jun 23, 2006 11:25 am |
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Midland credit is a collection agency. Does it tell you what the original creditor is??
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Jessi
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| Posted: Fri Jun 23, 2006 2:39 pm |
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Samuel
You need to dispute with the credit bureau if you see an incorrect entry in your file. Disputed item can hurt your credit scoring. Write a letter to the credit bureau for verification on this account.
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Gretchin
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| Posted: Fri Jun 23, 2006 7:05 pm |
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dispute with the credit bureau, online dispute is waste of time, write a letter and mail it certfified, and wait for the results.
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PRINCESS
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| Posted: Wed Sep 06, 2006 2:10 am |
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I'm dealing with Midland Credit Mgmt who took over my Southwestern Bell account from almost 6 years ago. The account was supposed to be closed but apparently my roommate kept it going. My issue is, Midland was able to find me a few months ago, why not a few years since it seems as though its been in collection since 2002 or so.
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AmyH
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| Posted: Wed Sep 06, 2006 3:30 pm |
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AmyH, find out if the account is still within the SOL period. I guess the date of last activity must be past the SOL period. If this is the case, you can use your legal rights whether to pay the account or not. Whatever you decide, if it's a legitimate one, it will be reported in your credit copy until the FCRA allows reporting negative information.
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FlyingCats
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| Posted: Wed Sep 06, 2006 4:28 pm |
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Amy-if the roommate kept it going,was it in your name or your roommates? Flying High is right,check your state laws on statutes of limitations,it may be out by now.Have you sent a debt validation letter yet? If not, I would do so to see what they have.Good Luck!...Karen
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Bossy4455
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| Posted: Sun Sep 10, 2006 5:06 am |
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No I haven't sent a debt validation letter yet. Not really sure how to compose one of those. The bill was in my name. Up until a few months ago I had no idea it had gone to collection. I've been in a completely different part of the state I live in since 2001 and as I said, it went to collection in 2002 and I got notification end of 2005/beginning of 2006
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AmyH
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| Posted: Tue Sep 19, 2006 5:43 pm |
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okay i pull up my credit report to see that i have stuff in my name that i didn;t even open, and then i see this midland collection agency not telling me where they are located, i mean who put the credit agency on me, what is going on.
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shindona
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| Posted: Sat Oct 07, 2006 2:00 pm |
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Hello,
I have been informed I have a debt with Midland credit for 153.00 from Southwestern bell telephone co. which has changed names now. How can I rush my payment to this agency to clear my report?
Thank you, I really need your assistance.
Jereme Meyer
E-mail address removed as per forum rules--Mike
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Jeremy Meyer
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