credit reporting agency

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 [...]

Collection Agency Worker Charged with Identity Theft

Two people were charged in a scheme to steal identities of consumers. One person, Deatrice Smith Williams, was the employee of the agency and the other was [...]

How Do You Opt Out of Credit Offers?

All, There are two types of inquiries on your credit reports. The first type is a type of credit pull that affects your credit score. This is commonly called [...]

Case Law – Brim v. Midland Credit Management, Inc

Brim v. Midland Credit Management, Inc., 795 F. Supp.2d 1255 (2011) Jury verdict awarding plaintiff $100,000.00 in compensatory damages and $632,180.00 in [...]

Question about NCO and debt validation

I received the following question from an email from Toni: I received response from NCO for validation. They sent a response letter stating all collection [...]

CreditRage -5- STIPULATION OF DISMISSAL WITH PREJUDICE

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CreditRage -5- STIPULATION OF DISMISSAL WITH PREJUDICE This episode discusses how to finish a case after the settlement has been completed. Discussed is [...]

Best Places to Work in Collections?

When I was growing up in the Midwest, I remember every year in grade school we would have to give a presentation on what we wanted to do when we grew up. This [...]

Credit Rage -2- Simple Inquiry on Credit Report

FDCPA-FCRA-TCPA
This is CreditRage #2. It is about inquiries on my credit report and how I handle them. I found Focus Receivables Management, LLC on my credit report. I [...]

Boiler's Conversation with Ryan

All, Here is a conversation with Ryan. These credit report issues are common, but not fun if they are happening to you. Please give Ryan and I a listen and [...]

What are your chances of winning an FDCPA/FCRA/TCPA lawsuit?

All, I often get asked what your chances of winning a FDCPA/FCRA/TCPA lawsuit are? Of course, no one can tell you if your specific case will win. Most cases [...]