Credit Repair

You don’t know more than I do about the FDCPA, FCRA, or the TCPA!

You couldn't possibly know more than I do about the FDCPA, FCRA, or TCPA. I know so much that I have my own blog. Seriously, if you have knowledge about [...]

CreditRage Uncut – 2 – Introduction to the FDCPA, FCRA, and TCPA

This is CreditRage Uncut 2. The first CreditRage Uncut has not been made yet and it will be an [...]

Collectors Using Affadavits – CreditRage Uncut 9

It is common for debt collectors to use affidavits when they are suing you or being sued by you. They can seem like a trump card when the debt collectors play [...]

Who has the Right to Pull your Credit?

Who has the Right to Pull your Credit? FCRA § 604 – 15 U.S.C. § 1681b(a)(3)(A) PERMISSIBLE PURPOSE… Who Has the Right to Pull Your [...]

Question: Reporting on credit report a violation of FDCPA?

Here is a question I received last night: Is reporting on my credit report by a collection agency considered collecting on a debt and a violation of the [...]

CreditRage -26- Dispute the Debt & Conversation with Hispanic1

All, I wanted to post a podcast of my conversation with Hispanic1 from last week. She has some credit problems. When you have problems, the first thing [...]

List of State Collection Laws

All, Here is a list of state collection laws including Puerto Rico and Washington D.C.. This is a great place to start to learn your state's laws. These laws [...]

Inquiries Question from Shawn in Wyoming – Inquiries FCRA

He is a question that was emailed to me last night: I have several third party debt collectors and dirtbag attorneys who have made inquiries in some of my [...]

Midland Funding, Midland Credit Management, and Encore Capital Addresses for Legal Service

All, If you are about to engage Midland Funding and related companies in litigation you should check with your state's secretary of state for the registered [...]