Reply
Member
Posts: 29
Registered: ‎01-15-2013
0

GW letter successes with NCO?

In an attempt to shore up my FICO score and clean up my credit report in advance of pursuing a mortgage, I sent NCO Financial Services a GW email this week. I have a $310 paid collection from five years ago that I was hoping they would agree to remove. I'd read about some successes on this and other forums.

 

They left me a voice mail today requesting I return the call today, so I called back, extremely hopeful. Unfortunately, nothing doing. They operator - a young man with an Indian accent - said that it was "against the law" for them to remove the collection, unless I was actually disputing the collection or thought it was in error.

 

Am I just out of luck at this point? Or is there another path that some of you might pursue?

Moderator
Posts: 13,871
Registered: ‎04-15-2011
0

Re: GW letter successes with NCO?

Send another one snail mail.



Starting Score: 504




July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Senior Contributor
Posts: 3,455
Registered: ‎11-30-2007
0

Re: GW letter successes with NCO?

I found them to be pretty decent.  Keep trying.

New Member
Posts: 1
Registered: ‎01-16-2013
0

Re: GW letter successes with NCO?

Would you be willing to share the NCO email address via PM? Thanks.

Senior Contributor
Posts: 3,455
Registered: ‎11-30-2007
0

Re: GW letter successes with NCO?

start hitting them with snail mail, send to address on credit report.  Keep sending.  One may say NO and another may say YES.  You need to get someone in USA.

New Contributor
Posts: 53
Registered: ‎01-11-2011
0

Re: GW letter successes with NCO?

I personally have ran into this as well with GW, both on the phone & via mail.  I have had this happen with credit cards (Capital One) & collections.  Do we just keep resending via mail and hope someone else opens the letter?  From my understanding, a GW is basically asking for the Credit Company for erase what I have done bad.  Also, some CA has told me I need to contact the OC when I have called them.  Can anyone advise please?  Thanks!

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.