Please help, question about Midland

Mar 132011
 

HI all,

 

I have a quick question.  I recently checked my Equifax score and noticed there is a ding on there from a Midland Collection agency.  It states I owe them 2500 and I had a late payment in 2009.  I couldn’t figure out what this was for, since I have not had any credit problems since 2004 and am waiting for the last thing to fall off in May – a Capitol One Bill for $500.  This is the only thing I can imagine it is for, since I do not have any other charge offs or collections.  However, the DOLA on the Capitol One bill is May 2004.

 

Please advise me what to do.  I do not think Midland is allowed to collect in my state (Hawaii) since I have never received any notifications or correspondence from them.  And I certainly haven’t made any payment to them ever let alone missed a payment in 2009.

 

Obviously I am upset about this as my credit was getting close to 700.  This ding has dropped my credit score to 590!!!! :(  

My Rebuiding Journey

Feb 252011
 

My Journey so far. This forum has been wonderful in helping me to rebuild my credit.

MyFico EQ 550

 

1. CSD collections= 11 medical accounts PFD (very easy, i called them, then went bye office and paid the accounts in full and they were deleted from my CR).

2. TFC collections= 1 account, will be removed by OC (not showing on credit report yet)

3. 2 installment loans paid off this month (not showing on credit report yet) $2500

4. Car was $18000 now $8000 left (not showing on credit report yet)

 

PROBLEMS; NEED HELP

1. Network Direct: Alpat Collections Account; Charge off (2009) only revolving acct. 100% utilization of revolving acct (myfico). $775.00. What to do? It’s not a credit card, but its reporting as one. Should i pay it off with PFD and then open a secure credit card? Very lost. Will alpat take PFD? OC not reporting.

2. One 60+ days late (network direct)

3. 7 late payment accts. All accts have more than one late payment, but not more than a 30 days late, except Net Dir. Will GW letters work. Toyota Financial (one open and one closed), Conns(closed), Neighbors Credit Union(closed), Goodyear Credit Card(closed), Pioneer Credit(closed), Network Direct (again). Any addresses to send GW letters?

Thanks for all the help.

6 year old late pay

Feb 022011
 

i recently checked my report….and found a 30/60/90 late payment from november 2004 – jan 2005, on an account that has been closed since november 2005 this account was closed specifically over this late payment which was the result of a representative having told me that the annual fee had been waived. since i hadnt used the card … and wasnt expecting to be charged a fee…i neglected to pay it. my question is …. is there anything i might be able to do to resolve this ….as its the only negative factor on any of my 3 credit reports. thanks for any input

credit score still same……..

Dec 122010
 

hi, i have been workimg on my credit for several months now and i have gotten some items taken care of .  but 2 of the collection items i had on there were removed and my score hasn’t changed yet.  i thought that when something is removed it should be reflected in your score.  is there anything that i can do or should i just leave well enough alone?  they have been of for several months now.

 

also my mortgage was sold to another company quite recently and i had a late payment with the old company.  should i gw them to remove it or just let it go?  it was showing as 2 months pst due when it was sold but we are current now. 

 

any help is greatly appreciated……………

Capital One charge-offs

Oct 292010
 

I have two charged off accounts from 2006 on my credit reports from capital one.  My question is,  If they have already written off an account,  how can they continue to charge me interest and report the increasing balance on it every month?  These are not “late payment charges” on my statement, just showing interest.   Do they then write off the account every year for their tax benefits?  The original charge off amounts show amounts of 1041.00 and 941.00,  but the balances are now way over 4000.00. Is this common practice, and what, if anything can I do about it?

 

Thanks for the Input.

Suggestions on goodwill letter

Oct 252010
 

I am planning on writing a goodwill letter to acs to hopefully remove a 30 days late derog on my credit record. This late payment occured last august (2009) i haven’t been late since and have only been late once since i have been in repayment (began repayment in 2008). I am kind of stumped with how i should go about this? I have never written a letter of goodwill before and I would like some suggestions from those who have written them before if you would all be so kind.

PLEASE HELP WITH GW LETTERS TO WALMART & WELLS FARGO

Oct 222010
 

Hi,

 

I was wondering if anyone had any success getting late or charge off payments deleted with Walmart and Wells Fargo? If you did could you please send me the address where you sent it to? I have been trying to get 2 paid charge offs deleted for the past 1 1/2 year ( i paid them in setember 2007- not one late payment after that ) with no success.

I’m trying to rebuild my credit. I disputed the charge off with walmart with all 3 credit bueraus but only equifax deleted it. it’s still showing on experian and transunion.

Wells Fargo is still showing on all 3 credit bureaus.

Any help will be greatly appreciated.

Thank you

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