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i have been trying to fix my credit score problems over the past month. It seems this is going to take months and im willing to put the time and effort in this. I disputed 4 accts I have with midland that are due to fall off in 2015 .. I sent a dv they could not validate so I disputed it with Experian. after just 1 day I looked at the report and all that it said was updated and that Midland did not violate any fdcra laws.. what would or should be my next steps
If Midland really owe the debt, then you will have to wait till 2015 to remove that entry from your credit report.
dispute with midland they won need help
Look up FCRA Section 604(A)(3). Even if they did purchase the account you never had an account with them and therefore they do not have the right to pull your credit.
Also you might want to educated your self about FDCPA because you might be able to sue them and collect some money in the process.
Be sure to keep a copy of any hand written disputes that you made, and make sure you date them.
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