Midland Credit Management
A subsidiary of Encore Capital Group, Midland Credit Management operates out of their three locations in San Diego, Phoenix and St. Cloud, MN. Midland Credit Management specializes in collecting charged off, unsecured consumer debt such as credit card, auto/lease deficiency, telecom and retail credit. Midland Credit Management is also known for using numerous aggressive techniques in their attempt to collect debt such as the use of collection letters, harassing phone calls and placing derogatory information on the consumers' credit report.
Federal law gives collection agencies the ability to place derogatory marks on consumer's credit report which may damage your credit score and prevent lenders from approving you for new credit. The Consumer Credit Protection Act authorizes the consumer to dispute, and potentially delete derogatory items such as charged off accounts from your credit report. It also allows you to dispute and potentially delete collection accounts placed on your consumer credit file by collection agencies like Midland Credit Management.
I had numerous tax liens, civil liens, collection accounts and late payments being reported on my personal credit file that were damaging my credit score and affecting my ability to obtain credit. Deciding it was time to do something about it, I attempted to perform credit repair myself by contacting collection agencies like Midland Credit Management in an attempt to negotiate some kind of arrangement with them in order to remove the negative information on my credit report. Dealing with all of the collection agencies like Midland Credit Management was more discouraging and time consuming than I could have possibly imagined but even worse, none of the collection agencies were willing to work with me and continued to report the damaging information to the credit bureaus. I thought credit repair was going to be uncomplicated. I quickly learned that was not the case. It was more complicated than I could possibly imagined.
I needed results and didn't have the patience or hundreds of hours it was going to take so I contacted Credit Restoration Bureau and they immediately began working to repair my credit. They were able to raise my credit score by deleting various types of derogatory items from my consumer credit file such as late payments, collection accounts, charge offs and judgments (see the letter below). Working with Credit Restoration Bureau was a much more pleasant and worry free experience than I could have hoped for. Each time I received an update from Credit Restoration Bureau, I was delighted to see they were continuing to have a positive effect on my credit score. By the time Credit Restoration Bureau was finished, my scores had all gone up approximately 150 points and I was in the 700s. They had truly given me a fresh start.
Here is one of the update letters I received from the credit bureaus. This one is from Experian and shows the deletion of two civil judgements and an Alliance One collection account. Alliance One is a collection agency similar to Midland Credit Management.
Credit Restoration Bureau was amazing and I would recommend them to anyone struggling with bad credit or being harassed by collection agencies like Midland Credit Management. Credit Restoration Bureau specializes in the removal of all types of derogatory credit itmes to include: collection agency marks, charged off accounts and late payments. They even have great success removing tax liens and civil liens from the consumers' credit report. If you have negative information on your credit report and would like a higher credit score, you should talk to professionals that specialize in credit repair. You should call Credit Restoration Bureau or click their link below.
