Rebuilding Your Credit

[jcmaroon]

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?

[Shogun]

Send another one snail mail.

[fishbjc]

I found them to be pretty decent.  Keep trying.

[df88]

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

[fishbjc]

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.

[BS3]

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!