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
Mon Jan 20, 2014 4:40 am
If Midland really owe the debt, then you will have to wait till 2015 to remove that entry from your credit report.
Subject: dispute with midland they won need help
Sat Apr 19, 2014 8:34 pm
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.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.