Midland & Asset - need advice please!
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Posted by GettinHip2it (69.119.239.155) on May 02, 2004 at 21:30:58:
I'm in the early stages of credit repair. After ignoring the bills and phone calls for far too long, I just decided to jump in and DO something: Last month, I disputed items as "not mine" on my CRs and sent out VOD letters to every CA listed. Yes, I should have done this the other way around, but I didn't know that then. :) I've registered with PG, myFICO, and CreditWatch, and have been reading and researching online almost to the point of obsession, and the waiting is so frustrating! :) With EX and TU, I was able to get several deletes - including a 1997 BK - and earlier this month I MIRACULOUSLY got a car loan despite my 560 TU. I have yet to receive VODs back from Midland Credit for a 2000 HH/ORCH account, Asset Acceptance for an 1999 Direct Merch, which are the two most glaring items on my CR. Midland sent me a letter saying that they would report the account as "in dispute" and requested copies of whatever info I had on the account (HUH?) I responded by telling them that the onus was on THEM to prove the debt, however, "in the interest of saving time and effort on both of our parts," I offered a settlement (for FULL deletion, of course!) Asset sent me a generic computer printout, so I wrote back telling them it wasn't sufficient VOD and made another request and the same settlement offer. I didn't hear from either - But then, Midland verifed the debt to the CRA (didn't report it as "disputed" either) and Asset pulled my CR last week, despite C&Ds to both. On 4/29 I sent both letters stating that they were in violation of the FDCPA and FCRA, and demanded that they remove the negative information within 7 days of the date of the letter (sent both CRRR and via fax) or else I would "pursue legal action." WHEW! Long story, huh? Sorry about that. My question is this: If I STILL don't hear from them, what EXACTLY should I do? I'd appreciate any feedback you can give me.
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