2 new collections on CR post-BK

[SadPanda]

Interesting, someone on MyFico also had 2 Midland accounts show up on CRs yesterday. I think he/she's a BKF member. I hope this isn't the start of a trend for everyone.

This happened to me too! I didn't check my actual Experian report yet, but Credit Sesame alerted me about a new collections from Midland Funding being reported. I also filed my BK in 8/2012 and was discharged in 11/2012. I can't imagine it's just a coincidence. They must be doing this to everyone they were trying to collect from that filed BK.

[tobee43]

Update: Finally talked to a non-CSR person. The accounts are being removed ASAP. I'm wondering if my fax deluge this morning caught up with my file and that got me to the right person Interesting, someone on MyFico also had 2 Midland accounts show up on CRs yesterday. I think he/she's a BKF member. I hope this isn't the start of a trend for everyone.

are you saying this happened to another BK forum member as well? interesting? funny i was just checking my mom's property on zillow and it had a foreclosure in 1993 listed on the zillow page, she has lived there since 1953 and there has never been a foreclosure, how does this crap happen?? but messing with one's credit should be consider a crime as far as i'm concern especially in light of a society who message ones entire humanity on their ********'in score!!

[Pjmax]

Update: Finally talked to a non-CSR person. The accounts are being removed ASAP. I'm wondering if my fax deluge this morning caught up with my file and that got me to the right person Interesting, someone on MyFico also had 2 Midland accounts show up on CRs yesterday. I think he/she's a BKF member. I hope this isn't the start of a trend for everyone.

[Pjmax]

Thanks for the replies, Tobee & LITR. I know, I'm trying to be patient, but it would be a heck of a lot easier if someone at Midland would just talk to me, return calls, etc. 30 days is a long time to wait, when your scores just hit bottom, but I do appreciate the support. It always helps to have someone to talk to about this.

[LadyInTheRed]

Pjmax, don't be so quick to assume this is going to be difficult to take care of. The disputes with the CRAs and the letters you are sending very well may take care of the issue. Try to relax and see what happens in the next 30 days. As soon as the entries are removed, your scroes will go back to where they were.

[tobee43]

Hi Tobee, the judgement was dismissed last October (2012) and removed from my CRs in January. The judgement has not reappeared, just two new Midland collections yesterday, 7 months post-discharge. One of these new collections is the account P&P HAD the judgement on. So, it's two new collections for BK'd accounts I'm going crazy over. Sorry, if I wasn't clear.

The CSRs at Midland keep transferring me to nowhere, can't find a human being to speak to. I disputed with the CRAs, and fired off letters to 2 fax numbers I was able to find. I'm also mailing the same letter today. All 3 scores have tanked, and I can see this will take forever to get deleted.

sorry your 500th post was not a happy moment.

i know this stuff really stinks and it may take a bit of doing, it sometimes appears to be the aftermath of the bk's for some. it's like the never ending story. hopefully your letters will work. i know it use to be the CA had 30 days to counter a dispute and then they must remove the item. i'm not certain anymore how it works. i really think your proofs are good enough and they will be removed. i have a few things that popped back up on ours as well, i just frankly, haven't had the time or energy to get to. did you send the letter cert mail?? if so, i would you the date they signed they rec'd it as the first day of day 30, if that rule still applies.

[Pjmax]

Hi Tobee, the judgement was dismissed last October (2012) and removed from my CRs in January. The judgement has not reappeared, just two new Midland collections yesterday, 7 months post-discharge. One of these new collections is the account P&P HAD the judgement on. So, it's two new collections for BK'd accounts I'm going crazy over. Sorry, if I wasn't clear.

The CSRs at Midland keep transferring me to nowhere, can't find a human being to speak to. I disputed with the CRAs, and fired off letters to 2 fax numbers I was able to find. I'm also mailing the same letter today. All 3 scores have tanked, and I can see this will take forever to get deleted.

[tobee43]

Pj, if the judgement was just dismissed a few weeks ago, more than likely it's going to take a bit of time to catch up to the reporting agency. in the mean time have you gotten a copy from the court with the signed order on the dismissal? if you do i would just send the agency a copy of that order along with a copy of your discharge? that should do it one would think?

[Pjmax]

2 new collections just appeared on my Experian report. I filed BK7 8/2012, discharged 11/2012. Both collections listed on petition, original creditor and Midland Funding who reported these collections. I know it's going to be a PIA to get these off.

One of the collections is for an account that Pressler obtained a judgement on behalf of Midland. I had been making payments to P&P before I filed BK. A few weeks after filing, I received an order dismissing the judgement. Midland's reporting actually lists the payments in the history. If they have a clear record of the payments, you'd think they would have a clear record of the BK filing. I'm sure there is a long list of violations here.

I'm extra upset with this because I just had to deal with another collection on EX about ten days ago. That one was removed in about 5 days, these two aren't going to be that easy. My EX score tracker looks like a yo-yo.

I guess I'm partly ranting here, and partly reminding everyone to keep a close eye on your credit reports like forever. I was just thinking of cutting back on my monitoring services, but I guess that's not gonna happen soon.

Thanks for listening, and watch your credit reports, even long after filing.

Edit: My 500th post! I wish it were something a little joyful or profound.