Thank You so much RobertEG!  I will be watchful of the situation when the TL is suppose to fall off and if still reporting I will take it up with the CRA.   Thanks again for the response and the informative information. ... View more

I only considered the validation as invalid because I was hoping that there would be some media type documents presented to prove that the account was truly mine ie; signed credit agreement or something along those lines.   Thank you for your advice.  If I cannot locate proof that I paid this off then I guess I will resort to paying it at a settled amount.  It appears that it will no longer hurt my score after August 2011.   Do you think it is accurate to have the CA state the balance was $1638.00 in November of 2009 and now NCO is stating that the balance is $3600.00.  Hmm. doesn't sound right to me.   Thank you so much for your advice :) ... View more

I think you are right on that one.  I wish I had better prepared myself.  Either way even if it is a form letter they should still honor the request.  They should actually do their job and not state that I didn't send it without verifying with me first.  Perhaps it is just coincidental that my letters were sent and maybe someone else is really trying to access my reports.  I just don't know what to do.  Should I send a follow up letter informing them that the 3 letters that were sent via cmrr was really mine.  I have a security freeze on my account due to identity theft previously. ... View more

Yes, I do have a corresponding collection account.  The problem was that I was sure I paid this off to a different collection agency other than the one that is attempting to collect.  I juust need to go through my bank statements and double check.   Thank you for answering everyone ... View more

Hmm, I hope someone will respond that could help us out.  Perhaps, EX is a little upset because people might be using the same letter. ... View more

Thanks for all the help that you have given me.  I'm not sure whether I should pull these reports yet because I am in the process of disputing other debts.   I will definately be going through my records looking at bank statements and etc. to verify that this was paid.  I did hear about collection agencies selling and reopening claims that have already been paid.   Do you think that I will be getting a response from NCO?  If I don't get a response from NCO do you think that the CRA will delete it?   I just found out that NCO reported on my cra for 11/2009 and the oc capital one is reporting $o balance and states payment after charge off/collection and remarks purchased by another lender.  Is this reflecting that I paid this account off?  The date verified is 03/2008.  Message Edited by amber1 on 12-07-2009 11:39 AM ... View more

I think I paid this debt to a different collection agency by the name of Northland.    The sol has expired.   Last I knew NCO was still reporting; which was in Oct. and then I sent a debt validation to them and never got a response.  Should I contact the cra and tell them that NCO never validated the debt and have it deleted or should I pull a report first?  Also, if California recovery systems is now collecting this debt for nco in re: for cap. one then why would nco assign this to the new collection company?  Was it because they could not validate the debt and can they do that?  I'm just confuse and something doesn't seem right.  I just don't think it is right that nco can avoid validating the debt by sending it to another collection agency.   Also, why would the new collection agency list the original creditor as NCO financial systems inc, RE: Capital One.  Shouldn't it be just capital one.  This account was a charge off and then sold.    ... View more

I Haven't purchased my scores through the CRA's but my FICO is really low at 600.  I hope to improve it by removing the medical bills.   Thank You and I hope you have a great Thanksgiving Day! ... View more

Yes, the account type is listed as open.   Here's the newest thing that has happened.  I sent a DV to NCO on 11-03-09 and it was received by them on 11-06-09 I have now received a letter from California Recovery Systems, Inc. trying to collect on the same debt for the amount of $1615.38.  This is quite funny because NCO is trying to collect the amount $3328.00 and the original creditor is Capital One.  This letter from California Recovery Systems, Inc. has the account identification number and it says current creditor : NCO RE: Capital One, Principle assigned to us: 1608.53, interest accrued: $6.85, Total now due: $1615.38.   Hmm, what is going on with this account?  Does it sound like NCO has passed this account onto California Recovery Systems. What do I do with the DV that I sent to NCO?  Obviously, I wait out the 35 day waiting period to see if they validate the debt and if they don't then I guess I will try with the CRA to have them delete the account because NCO didn't validate.  I guess I will have 2 points to stand on; the first maybe NCO won't validate and the second is I never received any notification from NCO about this debt.  I only found out about it because I noticed it was on my CR.  Am I on the right path?   I guess I will have to DV the new CA.  The new CA offered a settlement of 45% off but I must accept within the 30 days from the date of this notice. Eek!  I guess I won't be getting the offer because I will be sending a DV to them.    Also, I am unsure but I thought I read someplace that the CA must be registered in your state in order to collect on a debt.  If that is true then I don't think this CA can collect because when I checked on the business it stated that the business create date was 11/2008 but the status was expired. Any suggestions or opinions?  ... View more

Thank you for the quick response.  I thought I was right about the DOFD but I just wanted to make sure.  I am in the process of rebuilding my credit and have been reading the forums for the last 2 weeks,  Gee, there is lots of great info. ... View more

Congratulations!  It is nice to see the deletion!  Thank you for sharing as it gives a glimmer of hope.  Keep fighting the good fight:) ... View more

You can count on me to spread the knowledge.  Every tidbit that I learn is passed on to everyone I meet up with.  Hopefully I can save someone else from making foolish mistakes and paying for it for seven years. Ugh! ... View more

I'm sure the SOL expired and I did send a DV to them a few days ago.  I am desperately attempting to clean up my report.  There is nothing worse than having bad credit.  I wish when I was growing up that I had parents or some adults that could have explained the whole credit process.  I have been getting lots of education recently on this.  I have been teaching my children how to avoid falling into debt and be smart consumers; especially since they are all teenagers.   What I did accomplish thanks to this forum is I just had a paid medical deleted from TU via a Pre HIPPA letter.  Yeah!  My FICO score is 600 and hope to join the 700 club by next year :) ... View more

Thank you so much for the quick response!  I thought there was some type of merge or buyout but I wasn't sure.  I didn't want to waste my time or the CRA with something ridiculous because I was uninformed. ... View more

Thank you for your reply.  The OC transferred the account in 2007 and the CA is NCO.  ... View more