Reply
Valued Contributor
Posts: 1,936
Registered: ‎03-30-2012
0

Sent NCO Financial a DV...

[ Edited ]

They received it on 4/6 and it looks like, as of today, they deleted the TL from my Experian report!

 

What should I expect next????

 

EDITED TO ADD: Experian was the only CRA they were reporting on...fyi.

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9950
Moderator Emeritus
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Sent NCO Financial a DV...

I'd expect a deletion off EQ and TU soon too (assuming it reported and not off yet).

 

They probably sold the debt or passed it back to the OC. I'd either wait it out or pay off the OC if they get the debt back.

Regular Contributor
Posts: 240
Registered: ‎11-29-2008
0

Re: Sent NCO Financial a DV...


injustifiiable wrote:

They received it on 4/6 and it looks like, as of today, they deleted the TL from my Experian report!

 

What should I expect next????

 

EDITED TO ADD: Experian was the only CRA they were reporting on...fyi.


Congratulations!!  I sent them one on 4/9 but haven't heard from them yet.  I hope I am as successful as you.  

Starting Scores TU 7/30/09 FICO 493 EQ 9/5/10 FICO 477 EX 11/14/2011 (lender pull) 575
Current Scores TU 5/31/2014 FICO 671 EQ 7/5/14 FICO 667 EX 5/31/2014 658 FICO
Goal Scores 700 across the board
Frequent Contributor
Posts: 291
Registered: ‎02-25-2012
0

Re: Sent NCO Financial a DV...

I sent them one a few weeks ago and nada. They are not reporting though and the OC still holds the debt. I contacted the OC who verified they are servicing the debt. It's supposed to age off in 7 months anyways...but obviously the recent activity to improve our credit has caused people to come out of the woodwork.

2/24 (Lender Pull) EQ 613, TU 553, EX 589
April EQ 633, My Fico TU 638, EX ??
Current EQ 643, TU 652, EX 633 (lender pull 5/11)
Goal (we made it!!)- Over 640 middle by 5/15
Mega Contributor
Posts: 19,818
Registered: ‎03-19-2007
0

Re: Sent NCO Financial a DV...

The debt is not dead, so a new debt collector could become involved and report, starting the process anew.

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.

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.