“How I Cleaned Midland Credit Management Off My Credit Report and Improved My Credit Score Over 100 Points!”

My Story is true: it is documented with my actual deletion letters and real score monitoring diagrams.

I have had a very bad experience with using credit cards and then dealing with debt collection agencies for unpaid credit. I am sure there are many of you out there who are dealing with such sort of issues, and that is why I want to share my story with everyone.

My name is Casey and I am a regular American girl. I had my share of money woes in the past few years, with the recession and stuff going on. Despite having held out against credit cards until then, I applied for a credit card last year.

Great Experience in the Beginning

I must say that I actually enjoyed the first part of my credit card experience which allowed me to purchase things that I needed whenever and wherever the need came up. I enjoyed buying things for myself and sometimes gifts for my family as well.

Everything was going on smooth and I did pay some of the credit card bills for the first few months. Then, I am not sure how or why it happened, but I totally forgot all about those credit cards and their recurring bills.

Credit Card Company Calls

Needless to say, I was soon contacted by the credit card company and the officials reminded me about the outstanding amount. I was shocked to see that I had been fleeced overnight, with exorbitant interest rates added to the actual amount of money owed to the credit card company. The credit card company wanted me to pay up soon but I refused outright. I felt that the interest was totally BS and did not want to pay my money to someone who simply dumped heavy interest rates on me.

The credit card company called just one or two more time and I stopped hearing from them anymore. I actually thought that the credit card company had realized their folly and would stop bothering me in the future. How foolish of me to think that! Very soon I realized the actual reason behind the silence of the credit card company.

Debt Collection Company Gets Involved

One fine morning I received a phone call from someone who began referring to my old unpaid credit with the credit card company. I first thought that this was the same old credit card company people calling me again, but on further enquiring I came to know that I was dealing with a debt collection agency. Let me inform you that this debt collection company called Midland Credit Management already had a very bad reputation of treating their debtors very badly.

Obnoxious Behavior

I was surprised when this fellow started speaking rudely to me and demanding that I pay up soon. He was the most obnoxious person I had ever spoken to. But sad to say, this was just the beginning of the scary story. Many more such harassing calls came and I was driven up the wall in frenzy. I even tried calling up the credit card company and complaining to them regarding the Midland Credit Management debt collection agency. But all that the credit card company could reply was that they could do nothing in this situation, because the debt had now been handed over to the debt collection agency to manage.

Time for Regret

That was when I became real desperate and said and did some stupid things, which I regretted a lot after some time. The next time the Midland Credit Management executives called me up I argued and negotiated with them and I repeated this many number of times. I also took up the matter in writing and to cut a long story short, it would suffice to say that I wrote far too many letters as well. But I was blissfully unaware that Midland Credit Management was using all these opportunities to file negative collection accounts on my credit report.

I realized the huge damage that I had been doing to my credit reputation and credit score by indulging in such stupid and useless activities, a while later when I contacted a credit repair service agency called Lexington Law. I came into contact with this credit repair company via a friend who recommended their services very highly.

The Lexington Law Firm

To make sure I checked their website www.lexingtonlaw.com  and was really amazed to know that they had already helped over half a million other people who had issues with managing their unpaid debts and whose credit scores had fallen to very low levels; thanks to creepy debt collection agencies like the one that was handling my debt.

Knowing more about Lexington Law really boosted my morale and I did not waste any more time in speaking or writing to the debt collection agency or my credit card company. By this time I also received information that my credit scores are plummeted like an apple falling from the tree and the latest scores were at a pitiable 501 with Equifax. This prompted me to check with the other credit bureaus as well and found that the credit scores were just as bad with both TransUnion and Experian too.

These low credit scores had left me helpless and when I learnt that these scores had robbed me of any chance of acquiring a home or car loan / apply for a new line of credit, I was devastated. I wanted to thrash the debt collection agency that had trashed my credit score but nothing could be done. I had almost given up all hopes when I came across the credit repair service- Lexington Law that I mentioned previously.

Good News and Better Credit Score

As soon as I contacted the Lexington Law Firm, their attorney had a good look at my case. He then assured me that they would handle everything well and asked me not to worry about by faltering credit score. True to his promise, I soon began receiving mails from this company that informed me of new improvements in my credit scores each time. Very soon, I was overjoyed to receive intimations from all the 3 credit bureaus that my credit reports were cleared of all blemishes related to the debt collection agency and as a result my credit scores had improved from 501 or the like to a whopping 745. How cool is that?

Do You Need Help?

Since then I can’t help telling people how great these Lexington Law guys were in helping me with the credit repair. Given the current financial situation of USA, I am sure that many of you might be going through similar troubles. Some of you may have also messed up things like me with your debt collection agency. Some of you may have other issues like a bankruptcy, lien, foreclosure, charge offs, civil judgment etc. But there is no need to worry as Lexington law attorneys are capable of handling all such issues and more if they are related to your credit report.

How Does Lexington Law Do It?

Well, Lexington Law firm is focused on credit repair and the attorneys here are well versed in dealing with nuances of credit reporting and repair of battered credit reputation. They make it a point to inform all the 3 credit bureaus about the wrongful entries made by the debt collection agencies and the credit card companies. They also raise a dispute against all the erroneous, false and unlawful entries with all 3 credit bureaus.

The credit bureaus scrutinize the dispute and assess if the dispute is relevant or not. Once the credit bureaus are assured that the entries are wrongful, they proceed further with removal of such entries. When the negative entries are removed it leads to improvement of the credit score and better credit scores finally lead to better credit reports.

Don’t Waste Time in Seeking Credit Repair Help

If you think that you can deal with debt collection agencies like Midland Credit Management on your own, then be warned that they are very nasty and can leave your credit scores, credit reports and credit reputation biting the dust. If I had not contacted Lexington Law, I shudder to think what my credit scores would be right now. I would not have been able to buy my new car or get my home loan approved with battered credit scores that Midland Credit Management had left me with. If you are facing bad credit issues, I suggest that you get in contact with the Lexington Law Firm without a moment’s delay!