accelerated nursing program | How to Remove Midland Credit Management from Your Credit Report

How to Remove Midland Credit Management from Your Credit Report

Midland Credit Management is a collection agency and a subsidiary of Encore Capital Group. They collect on credit cards, automobiles, unsecured consumer debt, and telecom accounts.

Encore Capital Group is a huge company that is traded on NASDAQ. Midland Credit Management has locations in Phoenix, Minnesota, and San Diego.

They purchase debt from creditors and other collection agencies. They claim to work with the customer to set up re-payment plans or lump sum settlements.

However they have a reputation of actively using arbitration. This means they frequently will file a court claim in hopes of getting a judgment against you.

A judgment is a very severe mark that you should avoid if possible. If you have a mark from Midland Credit Management I suggest disputing this mark with the credit bureaus.

You can dispute this yourself or hire a professional credit repair service. A well written dispute letter must be made and mailed to the bureaus.

In the dispute letter you must provide the details about the negative listing and why it is incorrect and should be removed. Then you must mail this letter to each credit bureau.

If you only have one or two negative marks that you need to have removed then you should dispute these marks yourself. However if you have multiple marks then you should consider a professional firm to dispute them on your behalf.

A credit repair company will track and monitor you disputes and stay on top of the credit bureaus and their stall tactics. This company will also draft a “valid” dispute letter to start the investigation.

It is frequent for credit bureaus to respond to a dispute letter by asking for more information about the dispute. The bureaus do this in an attempt to frustrate the individual into giving up on the process.

The bureaus end up spending their own money investigating “valid” disputes. This is money that would be profit and instead is being spent.

The credit repair companies frequently get the bureaus to hold an investigation faster than an individual can. This is probably due to the companies having credit attorneys that are well versed in credit laws, and the bureaus being fearful of being sued. The bureaus must be compliant with the Fair Credit Reporting Act.

This act makes bureaus legally responsible to investigate a disputed mark and delete that mark if it is inaccurate or unverifiable.

In sum, your elected officials have put laws in place to protect your rights. You do not have to live with bad credit, it can be removed and your credit score can be repaired.

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