I have one paid charge off from a few years ago with Midland Credit. I disputed 2 times electronically and they verified but each tie they verify they change the info. A month ago I sent a certified letter to them "nutcase letter' with no effect. I paid this in march 2005 and they have it as 120 days late on 1 report in december of 06. Any advice on how to get removed. Very shady company.
You have to know the data fields to challenge with the credit reporting agencies and you also need a contact within Encore directly to rectify the matter.
