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TexanNCali

Noticed a collection on my credit report

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Our stories sound similar. I'm new here and glad I found this forum before sending a generic DV letter to Midland. I haven't received anything from Midland but noticed a collection on my credit report. OC (T-Mobile) not reporting and Midland is. SOL will be up around May - Aug 2013. I know the balance showing on this account is wrong as well but do not have proof. Should I dispute with CRA? Write DV letter or wait until SOL is up?

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Always dispute first with the CRAs.  After you get your response, then send a DV.   

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