First I’d like to say that this forum is great and has a great deal of info that I have picked up in a few weeks. I have a question regarding a few collection accounts that I have, which include Midland. Apparently credit was too easy for a college grad then, a painful lesson.
I had a few cards opened a long time ago that went delinquent and were turned over to CA. These were opened circa 2006. It was sold off by Chase in Aug. 2009 and Midland in March 2011. I am now am more financially stable and am looking to buy a house, but have to take care of these things.
Below I posted what Midland is reporting on my Experian report. Does this look valid? They are reporting a payment history as well as it being late. I have not spoken directly with them ever. Is this anything to work on, or would you just suggest trying to negotiate with them?
2013-SEP OCT NOV
2014-JAN MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
2015-JAN FEB MAR APR MAY JUN JUL AUG SEP