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To erase a mark on your credit report from Midland Credit Management you must dispute it. You can file a dispute by writing a dispute letter or hiring a credit repair service.

If you only have one derogatory item on your credit report I suggest you do this yourself. However if Midland Credit Management is not the only negative mark on your credit then I recommend hiring a credit repair service.

Upon the bureaus receipt or your dispute letter an investigation will be conducted. The bureaus will contact Midland Credit and ask them to verify the account and its details.

If Midland Credit does not verify your account then the credit bureaus must remove the negative mark from your credit. It is not uncommon for business to be unwilling to spend the time and money verifying non collectible debts.

However if the account is verified a credit repair service can really help you. A service will be able to use advanced dispute techniques such as; debt validation, escalated dispute information requests and creditor direct interventions.

Also a company can go to court on your behalf should it be required. It has been found that many negative marks are removed upon an investigation, regardless of the marks accuracy.

Who is Midland Credit Management?

They are a collection agency. They buy accounts from other collection agencies and directly from lenders.

They are located in Minnesota, Phoenix, and San Francisco. They are a subsidiary of Encore Capital Group.

They have a reputation of seeking judgments. This means they will file a civil case and sue you for repayment of the debt.

If this happens it will ruin your credit score, in addition your wages can be garnished. Thus you should act immediately if you get a mark from Midland Credit.

Be aware that just paying them will not remove the mark from your credit. It will change the status of the mark but will do very little to help your credit score, it is still a negative mark.

In sum respond to a mark on your credit from Midland Credit before it really becomes a problem. You can have bad credit marks erased from your credit report.