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Collection Agencies listed on CR as 401yc15404

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Brian
Guest

Subject: Collection Agencies listed on CR as 401yc15404

Sat Feb 23, 2008 6:20 am

How do I find out who this company is? There are three different collection accounts on my credit report with agency names similar to this...any ideas?

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Sat Feb 23, 2008 4:03 pm

At the bottom of your credit report there should be an address listed for them. Could you please get that information, report back, and post it?

Brian
Guest

Sat Feb 23, 2008 7:56 pm

I pulled my report again using a different service and the name now shows NCO FIN/99 and another with NCO FIN/22...no address on either one

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Sat Feb 23, 2008 8:20 pm

Eww thats NCO Financial and they are nasty and dirty. They won't hesitate to call your house 20 times a day.

NCO Financial Systems, Inc.
507 Prudential Road
Horsham, PA 19044

Send them a DV letter requesting PROPER validation. Send it certified usps mail with return receipt. They usually go away after that.

Brian
Guest

Sat Feb 23, 2008 11:54 pm

Will do, thanks!

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Sun Feb 24, 2008 12:12 am

Not a problem. Let us know if you need any further assistance!

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: NCO

Tue Feb 26, 2008 1:04 pm

I don't like dealing with them, either. By the way, DIEM...I liked the "EWW" (that was just TOO funny!). Yep..they DO call 20 times, per day. I have Medical debts with them....I mean. Debts from hospital visits,etc. I don't have Medical Insurance. I know a few of these debts are pretty old....NCO is trying to collect on them. Any advice? I DO owe them. I've tried to call NCO a few times....seems like the same "blah,blah,blah" from them.

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Tue Feb 26, 2008 2:35 pm

They had a medical debt of mine at one time. I don't think they list on all 3 credit reporting agencies which is a good thing. NCO is notorious for buying junk debts and subsequently selling them. They is a chance they don't even own the account anymore.

Have you sent them a request for proper validation, via certified mail with return receipt? (USPS)

Chances are they will not validate, giving you grounds to get a removal. I would also include a limited cease and desist in that letter, prohibiting them from calling you any more. I do believe they are allowed to contact you one more time via phone until you speak with them, advising you of what they plan to do. You never want to discuss your debt with them or admit you owe it. You don't owe it unless they can produce the correct documents.

sdchargers_63

Joined: 13 Aug 2007
sdchargers_63's page
Posts: 1889

1356 Magic Points

Subject: nco

Tue Feb 26, 2008 10:54 pm

Well...NCO hasn't called me in a while....thank goodness. If they DON'T 'own' the loan, are they SUPPOSE to tell me who does?

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Tue Feb 26, 2008 11:31 pm

I don't think they will tell you anything other than that the account is no longer with them.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Wed Feb 27, 2008 7:42 am

Hi Brian,

Have you send the DV letter to them? They should reply within 7 days of receipt of the letter at their end. Did you order a return receipt?
_________________
Regards,
Laura.

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Wed Feb 27, 2008 1:27 pm

Laura, where do you find that it's 7 days? I've always been under the assumption they had 30 days.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Thu Feb 28, 2008 11:46 am

I apologize for the typing mistake there. It is not 7 days neither is it 30 days. There is no specific time period for them to respond to the DV letter. However usually the response comes, if at all, within a 30 days.
_________________
Regards,
Laura.

diem

Joined: 20 Feb 2008
diem's page
Posts: 82

170 Magic Points

Thu Feb 28, 2008 3:35 pm

Right, the same goes for the letter they send debtors saying they have 30 days to dispute. If they can't validate within 30 days though, you can generally send an intent to sue letter and get the mark removed.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1334

35466 Magic Points

Fri Feb 29, 2008 10:53 am

Yes I agree to that. Can you please help us with a sample of the intent to sue letter?
_________________
Regards,
Laura.

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