i have a collection (as opposed to a charge off) on my CR from midland for $1222. i want to dv them and possibly do a PFD, but for every 10 threads i read on here about midland, only 2 people get a tradeline deleted off all 3 reports. it seems like people go through the credit bureas, the BBB and maybe even an attorney general to do disputes but i have ZERO proof of anything to defend myself. i mean ZERO yall, maybe even -1 to help myself!!!
what should be my 1st step with them? they’re 1 of my big three bills
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