I had a credit card with Sears back in 1996 and due to job layoff’s I fell behind in payments and the account was sold to a collection agency. Well over time I used other credit cards and I was out of control that I used a credit counseling agency to help me pay down my debt.
Well Sears charged the account off with a 0 balance, but another collection agency bought the account and now they reported to the credit bureau as collections misc. and a balance of $1040.
The original bill was $800.Sears has a charge off in the month of FEB this year. I really want to get rid of this account for good and I want to pay it off,but if I pay it and I still have a bad score what is the use.
what steps can I do to get this off my credit report?
Midland Funding Collection Agency reported and I haven’t spoke to nobody from the agency.
Can I get two bad credit ratings for the same account?
So let’s see if I’ve got this straight. You stopped paying the Sears account in 1996 or did you make payments on the Sears account through a credit counseling program?
You said you used a credit counseling program to pay down your debt but not pay off your debt. So are you still on the credit counseling program?
About what month and year did you make your last payment on the Sears account either by yourself or through the credit counseling agency?
And it appears Sears charged off the account but do you know if Midland Funding is a third-party debt collector or the owner of the account now?
Let’s start with the last payment question and work our way forward. I just need some clarity to best help you.
Please post your responses and follow-up messages to me on this in the comments section below.