MCM cr-help me sue 'em!!!!!
Date: Wed, 04/08/2009 - 10:54
I have a few questions regarding cr..ca..ect. Please help if you can:
I had a charge card charged off and bought by midland credit management(aka:jdb) in 11/04. My finances immproved, and the account was paid 5/06 and referenced that way on my cr. All sounds good so far but here's the kicker:
MCM has a different date of delinquency than original creditor by about a year. OC is estimated to delete 5/2010, while MCM is estimated to delete 4/2011. is this not illegal?
situation was disputed to credit bureau and it came back new information-they added the disputed by creditor crap..
MCM also did an account review inquiry on my credit 5/2008-two years after there account was paid and closed. Permissible purpose anyone? Can they do this legally? Any advise would be helpful. thank you guys.
I had a charge card charged off and bought by midland credit management(aka:jdb) in 11/04. My finances immproved, and the account was paid 5/06 and referenced that way on my cr. All sounds good so far but here's the kicker:
MCM has a different date of delinquency than original creditor by about a year. OC is estimated to delete 5/2010, while MCM is estimated to delete 4/2011. is this not illegal?
situation was disputed to credit bureau and it came back new information-they added the disputed by creditor crap..
MCM also did an account review inquiry on my credit 5/2008-two years after there account was paid and closed. Permissible purpose anyone? Can they do this legally? Any advise would be helpful. thank you guys.
Firstly, I think that you should dispute the CA listing once the
Firstly, I think that you should dispute the CA listing once the OC listing gets removed from the credit report. The bureaus will then verify it with your CA and remove it from the report.
Secondly, if MCM has made a hard inquiry in your credit report after the debt has been settled with them, it is not legal because they no longer own the debt and so you can remove the hard inquiry from your credit report.
