Who is Midland Funding, LLC? Midland Funding, LLC is one of the country’s biggest junk debt buyers. Midland buys old, charged off debt (usually credit card debt) for pennies on the dollar. Midland then attempts to collect the full amount of this debt from hapless consumers. Junk debt is often referred to as “Zombie Debt” […]

For the 14th consecutive year, identity theft was the top consumer complaint made to the FTC. Of these complaints, one tpe stood out for me: tax-refund id theft. I’d never heard of this one, but this seems to be a serious problem on the rise. As explained by the FTC: The Treasury Inspector General for […]

When it comes to identity theft, you might want to keep your friends closer than your enemies. The person stealing you is could be someone you know or who you deal with on a professional or official business. According to credit.com, unlikely identity thieves include relatives, police officers, court workers, friends, and potential employers. When […]

I’ve researched this, and still have trouble believing it. The website Kleargear.com fined a customer $3,500.00 for criticizing the company on the site RipoffoffReport.com. The fine was charged to the customer’s credit card. When she didn’t pay the charge, this negative info got reported to consumer reporting agencies. As a result, the customer’s credit score […]

Raising your credit score has, well, scores of benefits, such as better access to credit, the ability to get more favorable rates, and an increased chance at employment and housing. For those with delinquent debt, there’s a downside. Your improved credit score makes you a target for collection activities. Consumer reporting agencies market services to […]