While in college I mismanaged this one credit card a bit. It ended up in collection and about 2 years ago I paid off the collection company. Unknowingly I didnt ask for deletion for payment. The Original Creditor is HSBC and the collection company is Midland Credit management. I need advice on how to remove these two marks. What is strange is I currently have an HSBC credit card which I have never paid late. I attemted to have them validate the debt twice already and recently sent out the nutcase letter about 2 weeks ago. Also on my equifax the HSBC charge off amount is $409 while the othe two state 1034 charged off. I also have one other derogatory remark on my report which is a BOA account that states "account closed at creditors request" but i paid this account, what happened was when it came time to get a new card they did this. Again this was a few years ago and I currently have a BOA card and checking account. I WOULD APPRECIATE ANY HELP AS I HAVE LEARNED SO MUCH FROM THIS SITE> Thanks FRANK

You don't state if you've disputed these accounts/tradelines w/the CRAs yet..did you? If not try disputing (again?).

Second, you have to take a "nutcase letter" to the real action of suit. Threats of suit have lost thier power, now it is straight to suit.

If disputing fails, then put your case together, and go to court.

That's about the only way to deal with HSBC or BOA.

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i disputed electronically to no avail. Do I have any possible leverage as I have a card with HSBC. I also think its shady that when I disputed the HSBC account with the CRA HSBC sent me a letter saying any further questions should be directed to the address listed on their letter. When I sent them a nutcase letter the letter got forwarded from that address listed in Oregon to somewhere else. Also how do you think I should put my case together. Should i file an intent to sue or notify them of my intent or how. I understand that I have them on the grounds that they are harming my credit rating but what other grounds are effective as well.

It is not illegal for them to damage your credit rating so long as what they are reporting is accurate and complete. When you disputed the tradeline previously, did they mark it as being in dispute? Is the account marked as paid? If the date of major first delinquency accurate?

These are things that can provide a cause of action under the FCRA if erroneous or absent.

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No part of the post above or anything posted by us herein is to be considered legal advice. Apex Credit Services, LLC is not a law firm. If you seek legal advice, contact a licensed attorney within your jurisdiction.

No part of our website link, including clicking upon it, constitutes an offer of any kind or an advertisement to seek an agreement of any kind. The website link placement herein is for informational purposes exclusively.

Here is the collection Company Info. Doesn't make much sense
EQUIFAX HAS THIS SAYING 120 DAYS LATE IN DEC 06 BUT I PAID IT OFF IN 2005 MARCH
MIDLAND More about this account >>
Account No.: HOUSEHOLD-850860****
Condition: Derogatory
Balance: $0
Type: Collection
Pay Status: Late 120 Days
Two Year Payment History: Legend >>
TRANSUNION AND EXPERIAN ARE BELOW SIDE BY SIDE

MIDLAND CRED
Creditor Name: MIDLAND CRED MIDLAND CREDIT MGMT
Account No.: 8508609 8508609
Original Creditor: HOUSEHOLD ORCHARD BANK HOUSEHOLD/ORCHARD BANK
Responsibility: Individual Individual
Condition: Paid Paid
Original Balance: $1034 $1034
Balance: $0
Date Opened: 11/29/2004 11/2004
Date Reported: 10/01/2007 04/11/2007

I also got my free EQUIFAX REPORT and they have it as paid as agreed except for December 06 where a CA notation is inserted then paid as agreed afterwards. The date of first delinquency is blank and in the newer report as compared to the one from 9/23/07 in the type of loan box before it was listed as factoring company account(debt purchaser) now it says collection agency/ attorney. SEE BELOW.
MIDLAND CREDIT MANAGEMENT5775 Roscoe Ct
San Diego, CA 921231356


Account Number: HOUSEHOLD-850860XXXX Current Status: COLLECTION ACCOUNT
Account Owner: Individual Account. High Credit: $1,034
Type of Account : Open Credit Limit: $0
Term Duration: Terms Frequency: Monthly (due every month)
Date Opened: n/a Balance: $0
Date Reported: 10/2007 Amount Past Due: $0
Date of Last Payment: 03/2005 Actual Payment Amount: $0
Scheduled Payment Amount: $0 Date of Last Activity: n/a
Date Major Delinquency First Reported: Months Reviewed: n/a
Creditor Classification: Activity Description: Paid
Charge Off Amount: $0 Deferred Payment Start Date:
Balloon Payment Amount: $0 Balloon Payment Date:
Date Closed: 03/2005 Type of Loan: Collection Agency/Attorney
Comments: Consumer disputes this account information,
Paid collection