New ding|equifax
New collection appeared on Equifax
Midland Funding LLC reported a $1,247 collection account today. Originally Comenity Bank account, sold March 2024. Junk debt buyer — high probability they cannot validate.
If removed: +30–55 points
5 actions waiting
The agent caught these in the last 7 days. Approve to download the print-ready PDF, edit to tweak, or dismiss to skip. You mail each letter certified — ~$5 at USPS.
1d ago
New ding|transunion
Capital One marked your card 30 days late
Account ending 4471. You opened this card in 2017 and have an 8-year payment history with one previous miss (paid). This is a strong goodwill candidate.
If removed: +15–40 points
Escalation|experian
Experian returned 'verified' — escalating to MOV
Your April 12 dispute on Synchrony Bank (charge-off, $3,200) came back 'verified' yesterday. Bureau provided no detail on how. This is the standard stall — time to demand the procedure.
Round-3 win removes: +60–100 points
Monitoring
Your TransUnion score moved +14 points
643 → 657 since last week's pull. Driver: the Discover inquiry from February aged past 90 days and stopped impacting your score. No action needed — just keeping you informed.
Already reflected: +14 points
New ding|equifax
Medical collection appeared — likely auto-removable
HCA reported a $387 medical collection. Under the 2023 reporting changes, unpaid medical debt under $500 is no longer reportable at all. This shouldn't be on your report — disputing as a violation of FCRA §1681c.
If removed: +25–45 points
Mocked actions. Real findings populate this feed once you connect your reports or upload a PDF.