Bad Credit on My Report From MIDLAND FUNDING Credit Issued in 1999?
The only thing I can think off I did not pay off was a credit card I had applied for in the year 1999 when I was in college. It was a $500 limit card, being that it was a first credit card I did miss some payments & every time I did I would get hit with a $30 late payment + $30 over limit fee plus finance charges making it almost an additional $100/month, I finally gave up & never paid. Recently this year I have been bombarded with phone calls from debtors so bad I usually just ignore the calls that are from 800 numbers or out of state. Also while reviewing my credit report recently I seen that I have a public record regarding a default judgment for $12xx. What the heck is going on, 8 years later they file a case, which I have no idea about until I see my credit score drop a huge amount of points. Reading a little about this midland company on here I see they use these tactics hoping on people not appearing. I am located in the state of New York, Is there anything I can do to clear this off my credit report, appeal at the courts? Please help.