Posts: 6
Registered: ‎04-30-2007

Collection agency calling me at work!

Hi everyone...not very happy that National Credit Adjusters called me at work regarding an old Bank First charged off account. Here is my question...this account charged off in 2001 when I was on disability and my husband was laid off. The Bank First account has since dropped off but is still listed under NCA. The DOLA for NCA is 07/2001 which is coming up on the 7 year mark here real soon. Do you think they are getting desperate because they know they cannot report it after the seven years? Did I do bad by talking to them on the phone? No payment arrangements were made although he was really pushy..should I just wait out the next 2 months?  I am really trying to build my credit score back up. Currently in the mid 500's. Any advice would be appreciated..
hr> Starting Score: TU-581 EQ-446
Current Score: TU-487 EQ-446
Goal Score: TU-650 EQ-650

Take the FICO Fitness Challenge
Mega Contributor
Posts: 18,830
Registered: ‎10-23-2007

Re: Collection agency calling me at work!

if he calls again, ask for address to send do not call letter. let the 2 months go!
Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+