Credit Cards Center Credit cards from our partners
Reply
Member
Posts: 48
Registered: ‎07-11-2008
0

NCO...they disappear and then reappear??

NCO Financial, crappy CA.....they were on my hubby's CR last year with a different date....they disappeared (without a dispute) then reappeared last month with it saying past due as of June, July 2008.  There is no date of last activity or date of first deliquency.  It only says a date opened:  May 2008, date reported June 2008 last month, and now this month says date reported July 2008.  Both last month and this month EX alerted by email that there was potenitally neg information and it shows where they reported last month and then re-reported this month.  Weird.
 
EX does not show any kind of DOLA or DOFD on their reports...weird again.
On Fico report, which is EQ...it shows it as an open account but has two different DOLA dates:  under the Account Details it has DOLA as Dec, 2003...under the Collections it has DOLA as Sept. 2004.   This is also listed as "past 90 days due"  10 times....as if it were a revolving account or something.  It was a utility company...not a credit card or loan!  But it doesn't say what type of account it is.  It says charged off account, it also says it's an open account.  So the 10 times past due and one 30 day past due from another account, makes it look like my hubby missed payments on something 11 times recently.  That's the way FICO is understanding it anyway, because they don't know that that is not an old closed debt.
 
Currently, they are not on TU at all.  Thank goodness....
 
What to do about these freaks?!  Afraid to dispute because don't have the money to pay up if for some reason we had to.  But we will come tax season.  They did send us a letter attempting to collect the debt just last week....don't know what to do.  We want to buy a house in the next six months but this keeps bringing his score back down every month!  Don't have any original paperwork from OC....but I think maybe the DOLA is actually in between those dates of Dec. 2003 and Sept. 2004.  We do have CR's from the past that show they were on there reporting it differently, and then how they reappeared.  Any defense there? 
 
Thanks! Smiley Happy
MY Scores: EX: 546, TU: 560, EQ: 587
GOAL: To NEVER have to play this stupid credit (rat in a maze) game againnnnn!!!!! : P

Member
Posts: 48
Registered: ‎07-11-2008
0

Re: NCO...they disappear and then reappear??

Bump...........what to do? Smiley Sad
MY Scores: EX: 546, TU: 560, EQ: 587
GOAL: To NEVER have to play this stupid credit (rat in a maze) game againnnnn!!!!! : P

Highlighted
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: NCO...they disappear and then reappear??

Where do you pull your reports?
 
When this was removed due to a dispute, was it a dispute that you initiated through the CRA? If so, did the CRA notify you of the re-insertion?
-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

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.