Now that I have my credit reports straightened out I am starting on the wife's. I think Midland Credit Management is playing games with hers. They have one account number that they have reported several ways. It is a $100 medical copayment she missed. Midland is reporting it to Transunion as a collection account which I think is the correct way to report it? They are reporting it to experian as an installment account with a charge off and a note 120 days late. They are reporting it to Equifax as an installment account and reporting it again under the name MCM with the same account numbers. It is several years old and only $100 so I think I will try to arrange a pay for delete but if they won't go for it how should I try to get the trade lines changed? Obviously I will want the duplicate line on the Equifax report deleted. Should I question the way two of them are reported as installment accounts or is that ok? If that is OK should the one reported as a collection account be changed to an installment account? Keep in mind these are all the same account I would think they should be reported the same on all 3 bueros.
Before you start to pay anything. Did you dispute it first with all 3 CRA if you haven't done so yet.
No - they aren't installment accounts. Also they are real bad to report to Equifax as if they are a creditor. Not sure what is on your report, but collection accounts have their own section where they should be reporting. MCM is likely not reporting the OC, or a Current Status if they are in the creditor section.
MCM might be the creditor. They have a debt-buying arm that may own the debt. NCO's medical debt-buying subsidiary is better known, but there are others out there.
