Midland deleted from 2 bureaus! What next?

[All is well]

Hi Folks,

To give you some background, I'm in California, past the SOL, and CA (JDB) debt has crept up to nearly $20K. The original creditor is Household.

I started the process somewhat backwards by disputing the debt online with one of the CRAs after viewing my credit report online (I know! Not the way to go I'm told). I received a letter from Midland (MCM) a few days later asking ME to send them everything I have - essentially to validate their debt.

I wasn't certain whether this was just a silly mixup or their method of getting ME to validate a debt they couldn't substantiate. So I submitted a formal DV via CM almost a month ago.

Within 2 days of receipt, the original CRA (the one I'd originally used for the online dispute) sent me a response indicating their investigation had concluded and the debt was "verified".

2 days later, I received an updated report from CRA #2 with the item removed, and just yesterday I received a response from the 3rd CRA indicating that the item had been deleted! Not bad for a first attempt!

I have two questions on how to proceed:

1. Midland still has a couple of days to get back to me, should I wait to follow up with the original CRA which sent back the immediate response indicating the debt was "verified"? Or is it appropriate to send them a request for information regarding their verification procedure?

2. I have one other old and very questionable debt past the SOL which I want to pursue via a DV. Should I wait until this first one is completed?

Thanks in advance for any advice and I'm excited that the information I've read here really works!

A

[BV80]

Hopefully, the deleted entry will remain deleted. But, if Midland verifies with those 2 CRAs, the entry could reappear.

It's not uncommon for a JDB, especially Midland, to send you a request to send information verifying the debt for them.

If it were me, I'd wait to make sure the entry doesn't reappear with the 2 CRAs. If it does, you could send a method of verification request to all 3 CRAs. If it doesn't reappear, then send an MOD to the 1 CRA.

Regarding the old debt, is it on your CR?

[All is well]

Hi BV,

Thanks for the quick response.

YES, the old debt is on my credit report. It is with Greater California Financial Services, and again, also past the SOL.

The charged off debt from the original creditor was $5K, the debt is now $18k! (Embarrassingly enough, the OC was Cashcall).

Thanks again.

[BV80]

Hi BV,

Thanks for the quick response.

YES, the old debt is on my credit report. It is with Greater California Financial Services, and again, also past the SOL.

The charged off debt from the original creditor was $5K, the debt is now $18k! (Embarrassingly enough, the OC was Cashcall).

Thanks again.

If "past the SOL", you mean past the SOL for collection, that has nothing to do with the SOL for reporting. A negative entry can remain on your CR for 7.5 years after the date of first delinquency.

You can still dispute it. Who knows? It may be permanently deleted. Always dispute 1st with the CRAs. It's fine to dispute online if it's just a basic dispute. Simply save any email notifications you receive from the CRAs. Also, I'd print out a copy of the dispute results from their website.

[All is well]

Thanks. Yes, I still have another 20 months before the item falls off of my credit report on its own.

I submitted a dispute at the same time as the Midland online dispute, but never received a response from GCFS.

Is it appropriate to move forward with a DV for GCFS while the Midland is still pending? (It may have no bearing, I just want to be sure.)

[1stStep]

Yes- send one to Midland...Midland loves to sue, and you want to be able to preserve your rights under the FDCPA...a violation could give you leverage if and when you are sued.