Midland Credit Management Inc affecting credit report: Help!!

??
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.
?? Its weird but I am dealing with midland credit management 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 credit mgmt 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:

I entered in a dispute with midland credit mgmt, 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.

Here is the address to contact Midland Credit Management:
midland credit management
5775 Roscoe Ct
San Diego, CA 92123-1356
"http://www.mcmcg.com/"

Place a dispute in writing with Midland Credit Mgmt 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 to Midland Credit Management Inc through certified mail/return receipt requested.

I will definately send that out first thing tomorrow to midland credit management.

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 mgmt. 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

Midland Credit Management is a collection agency. Does it tell you what the original creditor is??

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.

dispute with the credit bureau, online dispute is waste of time, write a letter and mail it certfified, and wait for the results. This way you can nail midland credit management

I'm dealing with midland credit management collection agency 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.

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 to Midland Credit Management Inc for 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.

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 to Midland Credit Management Inc yet? If not, I would do so to see what they have.Good Luck!...Karen

No I haven't sent a debt validation letter Midland Credit Mgmt 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

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 credit management collection agency not telling me where they are located, i mean who put the credit agency on me, what is going on.

Hello,
I have been informed I have a debt with midland credit management collection agency 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

I recently viewed my credit report and saw I have a huge balance w/ you (aka Midland Credit Management Inc). Problem is, I have no idea what it is for???? I'm pretty sure my mother ran up a credit card in my name and I want it fixed. So I'm interested in what I need to do next.

Carrie,we discuss debt on this board,but are not a collector.You would have to contact collector directly.

I have heard that I am to send divorce papers to Midland Credit Finance Co.,(which I need the address to)showing that X and I are divorce and the property is now her responsibility. I just don't want her deliquency or whatever to end up destroying my credit.

Creditors could care less about a divorce decree.If your name is on contract or Tos as a responsible party,it is your debt and credit at risk.

Does anyone have a contact number for this company

I was contacted by midland to setttle an account that i had with aspire card. We settled on an amount which i made in payments and have paid the settlement amount in full. Now in todays mail i received a notice from another collection agency representing midland saying that my account has not been paid in full and that i owe a balance over $200.00. What the hell is with this midland company?

It sounds like they sold your account to another bottom-feeder without bothering to tell'em you'd paid it. Do you have any records to document the settlement agreement and your payments on it?

I had gotten a credit report with your establishment listed on it, but do not have an account with you. How can I find out what this is about.

Welcome to the forum Kek, This is debt consolidation Care's forum, we are in no way affiliated with midland credit management. Here is contact information that I could find for them:

875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: (858) 309-6970 - 800-825-8131 or 858 309-6970 858-560-2600
Fax: (858) 309-6977 800-306-4443

Phoenix
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Phone: (602) 707-0211 Toll Free: (800) 265-8825

St. Cloud
16 McLeland Road
St. Cloud, MN 56303 Toll Free: 800-265-8825

i know i owe 153.00 to Midland for Cingular phone how do i go about paying them to get it off my credit?Just funny how they wait 5 years to do this.

Well first you should make sure Midland is actually legally able to collect on that debt. You should send them a validation letter. Once they validate (if they do) you can set up some kind of settlement with them, but get it in writing! Also you will have to have the agreement specifically worded to remove the account upon payment, it is usually called a 'pay for delete' otherwise they will just update it to read as paid and it will still be on your credit report for up to the 7 year time frame it was running on.

I MADE A PAYMENT TO THEM ABOUT A MONTH AND HAVEN'T RECEIVED MY LETTER OF SATISFACTION WHEN I CALLED TO ASK WHERE IT IS THE WOMEN TOLD ME IT TAKES A MONTH TO PROCESS. COULD YOU TELL ME IF THIS TRUE. THANX.
MY EMAIL IS [email]TCP16@NETZERO.COM[/email]

i AM ALSO DEALING WITH mIDLAND ON AN OLD PROVIDIAN ACCOUNT. THESE PEOPLE RING THE PHONE OFF NONSTOP. PROVIDIAN LISTED MY ACCOUNT 30 DAYS LATE AS OF DEC. 2003. IT LOOKS LIKE AS SOON AS THE STATUTE WAS UP THEY SOLD IT TO MIDLAND. I CAN SEE FROM DIFFERENT THREADS THEY WILL PROBALY DRIVE ME CRAZY. i READ ON THE BUDD HIBBS WEB SITE THAT THIS COMPANY IS INCREASING IN SIZE. HE ACTUALLY LISTS THEM AS AN AGENCY TO AVOID.

How can i write or find a validation letter on the net i live in alabama

There is several letters on this sites "do it yourself" section and there is a DV letter listed there. I also write a credit repair blog and I have listed what letter I use, but it is mostly worded for Texas law, but if you are interested you can go take a look, a link is listed in my signature.

chad you have come to a good site. You will find access to lots of info here, including letter forms. Be sure to send the dv letter asap. Good luck.

are these still the most current addresses for this company?

875 Aero Dr. Ste 200
San Diego, California 92123-2255
Phone: (858) 309-6970 - 800-825-8131 or 858 309-6970 858-560-2600
Fax: (858) 309-6977 800-306-4443

Phoenix
4302 E. Broadway Rd.
Phoenix, AZ 85040-8808
Phone: (602) 707-0211 Toll Free: (800) 265-8825

St. Cloud
16 McLeland Road
St. Cloud, MN 56303 Toll Free: 800-265-8825

Hello,
I have taking midland collection management inc to court won in my favor, with a judgement of DISCONTINUED!. But still your company harasses me. Whether it on my credit report or though the mail a year and three month later. I have sent your 2 of offices a certified letter. I have got one back (meaning the certified card) and I am waiting for the second one as well as your office to reply. Before I decide to sue your company for thinking you are above law.
Now, can you give me answer to this?

Hi Hannah,

You must have mistaken our forum with Midland CA. This forum is not at all related to Midland collection. It is a open platform where we discuss about the different ways to get out of debt.

Phoenix

I was given a few years ago, a letter I can send to Collection Companies indicating I only deal with the original creditors. I have used it before and sent it Certified with Return Receipt. I believe the letter was a Cease and Desist letter. A lawyer had given it to me once but lost it. Does any one know what I am talking about and know where to get it?

midland management is a subsidiary of encore capital group and you can get their address from there web site there are 3 addresses.

I've recently received a letter from midland credit management saying that I owe $220.31 from GE/Mervyns... however, I've never purchase anything from Mervyns nor do I have a GE Mervyns cards....................... Anyone can help how should I deal with this one?

You need to send them a debt validation letter. See the links to Sample Letters on th eright side of the page.

thanks

other than sending the debt validation letter to MCM, do I have to send it to other credit bureau (can you name them for me ???) in order to prevent any further harassement in the future???

thanks

YOu do not send DV's to TU, EX or EQ but you should go to
www.annualcreditreport.com and pull your credit reports. You can do it once per year for free.

My uncle's bank account is frozen because of a creditor turning something over to midland that my uncle does not even know what it could be, can the bank freeze the account. My uncle is a retired veteran receiving retirement, va and ssi. Also the bank told him they took the 4,000 some odd dollars out of his account can they do this and where did the money come from he only has 900.00?

Your uncle's bank account was most probably frozen as midland credit management may have filed a case against your uncle for any outstanding debt and won a judgment against him. In such a case your uncle must have received a notice regarding the freezing of account.



Source: - "http://www.mfy.org/facts_credit/FrozenBankAccount.pdf"

But wait...Here's another information of relevance...



Source: - "http://www.mfy.org/facts_credit/FrozenBankAccount.pdf"

Here's what your uncle can do: -

Source: - "http://www.mfy.org/facts_credit/FrozenBankAccount.pdf"

Yeah, they're bottom feeders alright. I got a phone call from them about a year ago for a 31 year old debt to Zales Jewelers. I was absolutely floored....31 years people! :shock: And it was only for $234. In the divorce decree the ex was to have made all the payments on the credit that had been established since he admitted this was for a watch he had opened the charge account for and it was for himself. I just hung up the phone on the guy when he told me the date of the opening of the account and the date of the last activity. Now are these guys bottom feeders or what? I can't believe anyone would even work for a company that would make them try to call people and collect on a 31 year old debt. I mean heck...my son had not even been potty trained 31 years ago. I have a 15-year-old grandson now. BOTTOM FEEDERS DELUXE!!!! They didn't get a dime out of me and I saw on my credit report I just got today that they did a CHARGE OFF last month in the amt. of $234. I'm going to do everything in my power to get this removed and help put these people out of business. This is absolute harassment if you ask me.

If it has been 7.5 years or more since the account charged off then they have violated the FCRA. If they are reporting to all 3 CRA's = up to $7500 in damages ($2500 per violation x 3 reports). I would head straight down and file suit. You could probably get a NACA atty on contingency for that amount

www.naca.net

CEASE and DESIST COLLECTION EFFORTS

Cheatem Collections
123 Fagetaboutit Ave
Chicago, IL

17 April 2000

RE: Account 5145454156

Dear Sir or Madam:

I request that you CEASE and DESIST in your efforts to collect on the above referenced account (SEE letter attached). It is my personal policy not to deal with collection agencies and I will only deal with the original creditor of this account.

You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.

GIVE THIS LETTER THE IMMEDIATE ATTENTION IT DESERVES.

Cordially,

Your name here

The cease and desist letter has legal stature based upon the Fair Debt Collections Practices act Section 805. The Fair Debt Collection Practices Act applies to both the agency and to attorneys who collect two or more debts per year.

Cease and Desist Letter for debt collectors
The cease and desist letter has legal stature based upon the Fair Debt Collections Practices act Section 805. You can read it for yourself here. The Fair Debt Collection Practices Act applies to both the agency and to attorneys who collect two or more debts per year. This law does not apply to the original creditor. However many original creditors will honor your request to not be called.

Please note the following. When a collection agency receives a cease and desist letter they may move the account to legal status. This means that if they intend to sue you if they can't collect on the account the cease and desist letter will prompt them to bring suit immediately. So if there is an alternative way to stop being bothered by their calls, like using an answering machine, I'd suggest that you try it first. If there is no alternative then send the cease and desist letter.

Send the letter via certified mail with a return receipt request. Keep a copy of the letter for your files. It may also be a good idea to get a copy of your checks from your financial institution. The letter may take a couple of weeks to work its way through the collection agency's system before your number is taken out of their automated dialer`s. Even after they receive the letter they are allowed (under law) to contact you one time to notify you or their intent.

A C&D is not really applicable to the previous posters issue. Sounds like the CA illegally re-aged a debt. Personally I'd move to an ITS letter.

I'm with ND on this one. There's a time to play hardball...

Midland Credit is one of the hardest people to deal with. I am dealing with them myself. For some of the relpies I saw on here here are a few things to know... 1. If the debt is over 7 years old and no contact has been made to collect it is dead they cannot collect on it and it should not be on your credit.
2.Midland credit is on my account two times for the same account so they do report the accounts wrong it is in fact for the same account for me I have called and ask but they refuse to remove one of them so I am currently taking legal action against midland for it. And also I notice that on my dreit report Midland is collecting for a company called Friendman's which is also showing up so not only is it bad enough I have a debt on there but it is on there three total times. One from orginal debtors and twice from Midland. I have spoken with these people and trust me they are hard to deal with half of them I called even understand because they talk so fast and two because one day they give me one number to contact back and the time it is a different number in a different state. I do not trust them as far as I can throw them. Altho I did in fact recieve a account summary bill from Midland Credit but it had a state totaly different from the other TWO states i dealt with. So I no longer deal with them but am taking legal action against them. I don't disagree that I have the debt but I do disagree with it being on my credit report three times total and refusing to remove two of the three. They cannot do that abnd the fact that none of the people I talk to seem to know what they are talking about and are stations in state across the US but yet are the same company. There is only one Midland credit. Something is wrong with this pisture I personally would not trust this company with my money.