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Posted: Wed May 17, 2006 12:39 pm Subject: What is NCO up to?

OK so now that I have this 3 in 1 credit monitoring, I notice that NCO (and their subsidiaries) have spent a lot of time in the last year looking at my credit reports from all three bureaus, but they haven't contacted me about anything and they haven't reported anything. Why would a collection pull 7 credit reports from three bureaus in two months and not seem to do anything with it??

Posted: Wed May 17, 2006 12:45 pm Subject:

What the heck? That sounds fishy.

Posted: Wed May 17, 2006 12:46 pm Subject: nco

they are a very crookd agency my husband before we were married had alot of debt issues we have cleared up alot of them e had a student loan with the state of alaska and we paid them off directly at one time nco was working with them to help collect the debt they would not even talk to us until we gave them are checking account number first which we refused they later about 6 months after we paid off the loan contacted us saying we owed them 1300 dollars still we sent them proof we had pid the debt for the student loans though alaska bu they say tis is for there collection charges they have while they were trying to collect and we still owe it they still call and still have it on his credit report cause we refuse to pay it the sol has run out on the student loan even the last payment(which paid it off) but they still want there colletion charges

Posted: Wed May 17, 2006 12:49 pm Subject: re to above

they also pulled my husbands credit report and called everyone h owed money to and gave them re current phone number when he refused to pay there collection fees

Posted: Wed May 17, 2006 12:49 pm Subject:

Without legitimate reasons, the CA can't touch anyone's file. They just can see it. Perhaps, they were trying to keep a watch on you.

Clay, make sure that NCO has not hit your file with negative remarks in anyway. Certain inquires made by a company also reduce the credit scores. So, if NCO has hit your file, it should be having legal purpose.

Posted: Wed May 17, 2006 1:02 pm Subject:

They have not reported anything, they just kept pulling my credit reports in June and July of last year, once with equifax, twice with experian and twice with trans union. 4 inquiries show as "miscellaneous, public record" once shows collections, but as far as I know they don't have anything to collect on me for.. nothing from them since then .. weird...

Posted: Wed May 17, 2006 1:19 pm Subject:

I just had a hospital bill go to NCO and when I called them today to set up payment arrangements they told me they wouldn't set up arrangements and that the balance has to be paid in 30 days or they will start reporting negatively to our credit report. What a crock!!!!

Posted: Wed May 17, 2006 2:17 pm Subject:

Clay - you are saying that these are hard inquiries?? They might have a suppressed collection account on your credit report, which won't show up in a pull from TrueCredit. You have the Equifax monitoring, if I remember correctly, and though I'm not positive, I'm pretty darn sure that a suppressed account won't show up there either. I would suggest getting a HARD COPY of your report (call whichever credit reporting agency and ask them to mail you a hard copy) and see if it's there. I am in the same situation as you with Federal Bond Collection Services - they have been pulling my credit and yet I couldn't see anything on TrueCredit. When I got an "official" copy from Transunion though, there is was, and it noted that it was suppressed. Just my .02 cents....

~Mary

Posted: Wed May 17, 2006 3:25 pm Subject:

Clay, Mary said something that needs a thought. If you ordered online, you need to have a hard copy as well.

There should be only valid inquiries in your file. Dispute the ones you disagree with. It is pointless disputing them with the bureaus as they are not responsible for removing it from your file. Unless the creditor or the CA notifies them to remove it, they hardly have anything to do with it.

Collection inquires are seen very negatively in the credit file. Although, the legitimate ones stay for 2 years only, but you must not allow the incorrect ones to stay in your file for a while also. Contact NCO and get your file rectified by them.

Posted: Wed May 17, 2006 7:17 pm Subject:

I should be getting a hard copy from all three as I place a fraud alert the other day in connection with the incident with my employeer, so i'll check it out when I receive the other two..

Posted: Wed May 17, 2006 7:34 pm Subject:

That sounds like the best way to go. I would love to be a fly on the wall if you were to show up there though, LOL!!

~Mary

Posted: Sat May 20, 2006 8:18 am Subject:

Clay

I believe there is an opinion by the justices that what they are doing is illegal. I will try to find it in my archives. I think this is abusive and you can make them pay. Especially if you don't owe them any money.

Posted: Sat May 20, 2006 8:20 am Subject:

Like I said, between the three reports they have made 5 inquiries and I have never heard a word from them, and as far as I know any accounts I had that might have been in collections I had have been addressed.

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