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NCO FINANCIAL??

Established Contributor

NCO FINANCIAL??

Has anyone had success doing a PFD with NCO financial or GW after PIF?? they just reported an account from directv from 2009 for like $200. I just want it off my CR. Any help or advice is greatly appreciated


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 1 of 7
6 REPLIES
Established Contributor

Re: NCO FINANCIAL??

Dealt with them on AAFES debt, and they were pretty rude and wouldn't budge. But it was different because AAFES debt is federal, so like student loans, no SOL and they can garnish wages/tax returns without a judgement (which they did to me) ... but once I paid them, they removed the collections immediately (although AAFES still reports as paid charge off/transfer derog) ... 

 

so that might give you some hope that they don't stick to their guns on the 7 year collection reporting... 

Message 2 of 7
Valued Contributor

Re: NCO FINANCIAL??


gettnthere wrote:
Has anyone had success doing a PFD with NCO financial or GW after PIF?? they just reported an account from directv from 2009 for like $200. I just want it off my CR. Any help or advice is greatly appreciated

Had an account with them. Sent a DV, they sent a letter stating they would remove, and then sent "validation". I plan on paying it before it gets reinserted. Pretty easy to deal with, actually.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 3 of 7
Valued Member

Re: NCO FINANCIAL??

I called twice to ask for PFD for around $250 and got hung up on both times. Very rude,


Starting Score: EQ 606 TU 575 March 12th, 2012
Current Score: EX 639 EQ 618 TU 649
Goal Score: 720


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Message 4 of 7
Valued Contributor

Re: NCO FINANCIAL??


tsally862 wrote:

I called twice to ask for PFD for around $250 and got hung up on both times. Very rude,


Usually putting the request in writing yields better results.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 5 of 7
Valued Member

Re: NCO FINANCIAL??

injustifiable,

 

Perhaps, but if I were to start writing letters then it'd be the HIPPA one to the OC.


Starting Score: EQ 606 TU 575 March 12th, 2012
Current Score: EX 639 EQ 618 TU 649
Goal Score: 720


Take the FICO Fitness Challenge
Message 6 of 7
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Member

Re: NCO FINANCIAL??

I actually had 3 collections from NCO on my CR's. One of those was Directv. I disputed them with the credit bureaus and within three days they were all deleted. Negotiating a PFD with them is pointless, since they don't own the debt. I would try a DV first, but if that fails, go with the dispute. Good Luck!

Message 7 of 7