Credit Cards Center Credit cards from our partners
Frequent Contributor
Posts: 448
Registered: ‎09-26-2008

collection agency calling

ok....heres the scoop. I have this collection agency calling me about 8-10 times a day (no joke)  They said they were "NCO" and now a company called " I C Systems"is calling......I think NCO must have sold them our name. Anyhow, this has been going on for about 3-4 months. The crazy thing is.....neither one of these companies show up on any of our credit reports. They are trying to collect on something that is at least 7-8 years old. I think it was an old Direct tv acct, in which we stopped paying on, once they disconnected it for being late. Why continue paying for a service youre not receiving? My question is....How can I get these fools to stop calling?

Regular Contributor
Posts: 135
Registered: ‎08-28-2008

Re: collection agency calling

if you are sure this is out of reporting time frame, then I would send them a cease and desist letter commonly referred to as FOAD letter.
08/28/08 TU 568 EQ 512 Ex 545
10/06/08 TU 550 EQ 522 EX 545

Thanks to all board members for their insight and wisdom.
Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008

Re: collection agency calling

Why continue paying for a service you're not receiving?  Just because you had it disconnected does not mean you do not owe for the past due amount.


At any rate if you are outside of SOL you can send them a letter telling them it is out of SOL and to not contact you any more. 


If it is still within SOL, DV them, but be prepared to PIF if they validate.


A CA may continue to try and collect on a debt forever, they just can not sue you and win.



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 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.