04-25-2012 12:11 PM
Last one for today -
Could anyone PM me any information as far as mailing address or email address to send a DV letter to NCO Financial?
And any other advice as it pertains to dealing with them on an old collection would be appreciated. Thanks!
04-27-2012 07:41 PM
Do an internet search, they are easily found.
04-27-2012 08:21 PM
Implied in your post is that they have not yet sent you dunning notice, and thus provided you an appropriate address?
Have they initiated communication with you? Reported to a CRA?
I would not use email for a DV, as it is one communication where the consumer has timliness requirements.
You can, of course, DV prior to receipt of dunning notice. Is your goal to DV quickly, and thus block their credit reporting?
NCO is well-known, so getting an address should not be difficult....
04-28-2012 07:23 AM - edited 04-28-2012 07:27 AM
Not necessarily - they have a million addresses.
I had six accounts listed with them when I pulled my annual reports last August. When I disputed 5 of them (because I didn't beleive any were valid) through the CRAs they all went poof. Those 5 had 4 different addresses.
The last was medical and i just started on it. I sent a dispute to CRA and a DV to one of the two different address from the three different CRAs. The third said "DO NOT MAIL" and had an 800 number. Didn't know that was legal. Anyway, my DV came back undeliverable from USPS but while I was deciding what to do it went poof from all three CRAs.
I don't know how one account is at three different offices.
04-28-2012 01:18 PM
NCO has many branches, just like a sports team broadcasts in several radio or tv markets. They also have many telephone numbers as well. This places them closer to their "collectibles".
04-28-2012 01:42 PM
I sent you a PM with the address I used.
Hope it helps.
04-30-2012 08:24 PM
Thanks everyone! I sent the DV off to the address I'd found on another thread...let's keep our fingers crossed that they'll just remove!
On another note, they are some VERY sneaky individuals. I just joined a credit union and was in the process of possibly refi'ing my auto loan or just getting a new one. Additionally, I had another credit pull within the same timeframe. NCO sent me a letter last week for a very old collection stating that they see I've recently applied for credit, so hopefully my situation is better now to pay this. WHAT IN THE WORLD????
Are they doing soft pulls? How the heck did they know I'd applied for credit?? I'm CERTAINLY hoping that these two won't magically show up on my credit report - they haven't been on there and I'm thinking they may be too old to report. I'm down to waiting for the last two collections to be removed so that would be a crushing blow...
04-30-2012 08:57 PM
I sent them an email yesterday and got a call back today (used the contact info on their website). Bottom line they wouldn't delete my account. The woman told me that if the OC called and requested a delete that they would comply, but they wouldn't do it without that. The OC has now merged with another company and I explained that I wasn't sure they would have the required info from '08 to call them and request the delete. I should note that they asked my who the OC was. I'm not sure if they didn't have this info on file or if it was just part of their verification. She was able to give me my full account number so that was helpful. She said that another choice would be to dispute the account with the CRAs and that they would delete the info that way. I'm kinda leary of doing this, but the woman I talked to was very sweet and I don't think she was trying to set me up - she even gave me the 800 #s for the CRAs.
If you'd like the # I have for them let me know.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.