07-20-2007 11:30 AM
07-20-2007 11:41 AM
SOL for Colorado is 3 years for open-ended accounts, this includes CCs. Since your scores are high does this mean NCO is not reporting the account? When was the DOFD (date of first default), this is when the account is 120 days late?
sindi wrote:Just wondering--what is the SOL for Colorado CC debt?For the last year or so, I've been called almost daily by NCO. Occasionally get mail--the OC was Sears. It is not my debt, and has never been--NCO is the 3rd CA to try to collect. I have years of correspondence on this thing.I finally started paying attention to my credit about a year ago--pulled my credit reports, no negative TLs, my scores are high.If I can only ask for validation within the first 30 days contact, then it is too late for that. Would a CD letter stop the calls? They are only a minor annoyance--I never answer the phone. . .TIAsindi
07-20-2007 12:29 PM
07-20-2007 12:39 PM
You can dispute the inq with TU but I wouldn't. Your score of 843 is the highest I have ever seen! Wow! This a FICO TU score right?
sindi wrote:NCO pulled my TU report on 9/13/05 as shown on my 7/19/06 TU report. I purchased a myFICO TU in April 2007, no mention of NCO anywhere. TU Score was 843.EX (Oct 2006)and EQ (Mar 2007) annual freebie reports don't show any NCO inquiries, let alone them reporting anything.Before NCO was RMA (Risk Management Alternatives--apparently bought by NCO).I have RMA letters back to Aug 2002.Before RMA was a letter from Collectech Systems, Feb 7, 2000.All correspondence carries the same Sears account (card?) #.Don't know DOFD or any account details other than #--it wasn't my account.I don't see where NCO has done anything CRA-wise other than pull a TU report before they started trying to contact me in Oct 2005.Thanks for the quick answer.Three years, eh?Growl. Might have to change my icon to something with teeth. . .
07-20-2007 01:03 PM
07-20-2007 01:23 PM
Which state do you live in?
sindi wrote:Bought it right here at myFico, end of April. I was really surprised.It's probably down some now, as I used my one and only CC for a purchase. It's now PIF, but wouldn't be reported yet.Where does one find the SOL info?The NCO calls are all machine messages--just an annoyance, really. But they do accumulate on the answering machine.Thanks again.
07-20-2007 01:46 PM
Sorry, I asked the same question twice! Too much posting today. I find the link and post it for you.
sindi wrote:Colorado. I'm sure it's in the state statutes somewhere. A shortcut would be nice.Thanks.
07-20-2007 04:36 PM - edited 07-20-2007 04:36 PM
sindi wrote:Just wondering--what is the SOL for Colorado CC debt?For the last year or so, I've been called almost daily by NCO....NCO pulled my TU report on 9/13/05...I purchased a myFICO TU in April 2007, no mention of NCO anywhere.
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