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New utility collection letter from NCO - Please help.

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Anonymous
Not applicable
‎08-28-2012 07:08 AM
‎08-28-2012 07:08 AM

New utility collection letter from NCO - Please help.

Hi all,

 

I just received a collection letter from NCO attempting to collect $28 for a utility bill. I moved at the end of June, paid off my balance, and was never billed again by the electric company. Suddenly, I have this collection on my hands. 

 

This has not yet shown up on my credit reports.

 

What is the best course of action? If I pay the OC, will this still show up on my report? Should I DV NCO? Should I do a PFD with NCO? 

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Shogun
Moderator Emeritus
‎08-28-2012 07:22 AM
‎08-28-2012 07:22 AM

Re: New utility collection letter from NCO - Please help.

Send a DV and if you agree then send a DV.

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!

June 2017 update: All scores over 820, just pure gardening now.
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Anonymous
Not applicable
‎08-28-2012 07:37 AM
‎08-28-2012 07:37 AM

Re: New utility collection letter from NCO - Please help.

Do I have to wait for it to show up on my credit report to DV?

Message 3 of 4
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Shogun
Moderator Emeritus
‎08-28-2012 08:23 AM
‎08-28-2012 08:23 AM

Re: New utility collection letter from NCO - Please help.

Nope.. Send it now. You just got your dunning letter and sending it now would make it timely.  After they receive your DV they can't report it until they have validated it.

 

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!

June 2017 update: All scores over 820, just pure gardening now.
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