Midland was not scheduled to be deleted until mid to late 2017. I don’t know if it’s because of the case ruiling but ALL of the Midland’s were deleted from my report on 10/2/15. That was my last paid collection account. For the first time in my life I have super high credit scores, a nice mix of revolving credit accounts, and an approval on a personal loan. Life truly is easier with very good/excellent credit.
I just retired my 2 high interest rate cards (Capital One Secured – 24% APR and Merrick Bank – 22% APR) from my wallet. I’ve placed small reccuring payments on them like my gym membership and Netflix. But I won’t be using them regularly anymore. They will remain open as they are my oldest cards and I want the good history. I will now use my new lower interest rate cards and remain in the garden until 2017 when I will apply for the SPG AMEX or another top level AMEX.
This forum has helped me so much!