Has anyone dealt with NCO collection services?
Date: Tue, 07/10/2007 - 21:30
Submitted by Amanda Sullivan
on
Tue, 07/10/2007 - 21:30
Total Replies: 3
It wasn't until our recent refinance that this came up on his credit report as being owed. So the loan company went ahead and cut a check to NCO for the 137.00. I had been making payments to NCO for one of my own hospital stays, and I asked the rep to please look up my husband's account and see if she could see anything that was owed. She said she did not see any charges.
Anyway, she gave me a number to the main corporate office to see if perhaps they had something in the system for my husband, but she said she highly doubted it.
So, if my husband doesn't have any outstanding collection issues with NCO, why would this still be on his credit report?
And, how can I get the loan company to recut the check back to us if the 137.00 is not needed to cover NCO? Is it just a simple call to have them void and reissue, or do I have to have proof from NCO? You all may not know the answer to the last question, I may have to contact the closing company about that... but wanted your thoughts on the subject anyway.
Thanks in advance!
You have fallen victim to an information service that the credit
You have fallen victim to an information service that the credit bureaus sell to collection agencies. If you apply for a mortgage or high dollar item,they are alerted and insert item in report whether it is yours or not.Not exactly legal in some cases,but almost guaranteed to payoff for them as most mortgages require collections to be paid. I would contact your husband's employer to get written proof that this debt is not his.I would then send Nco and all three credit bureau's a copy of the letter.Lastly send copy to loan officer so check can either be credited to you or Nco can refund it.In your letter to Nco let them know an immediate deletion is demanded because this debt is paid in full and should have never been placed on the credit reports.
Thank you for your response. If i can ever get through to the N
Thank you for your response. If i can ever get through to the NCO headquarters, then I can try to take care of this. It's awful how they can put it on the credit report, but yet show no bill in their system. Makes no sense to me.
Woops! I wasn't logged in... Thank you for your response. If i
Woops! I wasn't logged in...
Thank you for your response. If i can ever get through to the NCO headquarters, then I can try to take care of this. It's awful how they can put it on the credit report, but yet show no bill in their system. Makes no sense to me.