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Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

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
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Frequent Contributor
seigex
Posts: 425
Registered: ‎05-16-2012
0

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... 

Lender Pull (11/3/12) FICO EX: 740 EQ: 680 TU: 702

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Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

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Valued Member
tsally862
Posts: 31
Registered: ‎03-10-2012
0

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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Valued Contributor
injustifiiable
Posts: 1,867
Registered: ‎03-30-2012
0

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 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $5950
Valued Member
tsally862
Posts: 31
Registered: ‎03-10-2012
0

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


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Member
SR23
Posts: 9
Registered: ‎06-04-2012
0

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!


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