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Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

tired of nco

This is my last baddie. I had to move my priorities around because of the Capital One fiasco. And this is an account Capital One sold. Now I don't recall getting any letters or phone calls from them. They keep raising the amount due by $3 every 4 days or so. Who does that anyway? I sent them a DV letter in which I have not received the green card back. Does anyone know how long it takes them to respond? I did opt out on all the bureaus. The debt is past SOL from my understanding as its a credit card. The OC is to drop of November 2011. I feel like I'm playing chess with the invisable man. What's my next move?

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: tired of nco

If the OC is scheduled to drop in November then the CA will too.  They have to have the same DOFD.   


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!
Established Contributor
casmith1980
Posts: 633
Registered: ‎03-20-2010
0

Re: tired of nco

From my experience, take the non return of the green card as a good thing.  November isn't too far out to wait...but it wouldn't hurt if your mail IS returned, to make a copy of the envelope showing the attempted delivery to NCO and send that to the CBs stating that you have tried contacting said company via the address listed on your report and are unable to contact them.  

 

Have you disputed the item on your report already?  If so, then ask the CB to explain HOW they verified a debt that you cannot verify yourself :smileyhappy:

EQ Fico 2009 500's
TU Fico 2009 500's

EQ Fico 04/10/2012 663 (SW alert)
TU Fico 04/13/2012 653 (Walmart)

Goal: 760 by 12/2013 and close on my first house :smileyvery-happy:

Goal - 720 by 12/31/12
Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

Re: tired of nco

I know November is very close that's why I am so nervous about them updating the account every 6 days increasing the balance by $3 to $6 each week since June 30. I didn't dispute because they are a bad company to get caught up in with cbr disputes because they are known for not going by the book. It takes more than an act of Congress to actually get EQ to do some work. I have no luck with EQ disputes. They verified an account in a dispute when I couldn't verify it because the # on the report was disconnected; the company is no longer in business. So I'm sending out a MOV letter tomorrow. I have had enough of these companies putting erroneous data in my file. I have had 3 medical collections deleted this month because non of them were even valid. Thanks for the input. I will be watching this like a hawk.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Established Contributor
casmith1980
Posts: 633
Registered: ‎03-20-2010
0

Re: tired of nco

have you tried calling EQ rather than mailing?  Many people on here seem to get better results by talking to someone directly.  Just a thought

EQ Fico 2009 500's
TU Fico 2009 500's

EQ Fico 04/10/2012 663 (SW alert)
TU Fico 04/13/2012 653 (Walmart)

Goal: 760 by 12/2013 and close on my first house :smileyvery-happy:

Goal - 720 by 12/31/12
Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

Re: tired of nco

Yes I did. After spending 30 minutes on the phone with someone named Michael Jackson & his supervisor who kept reading me scripted responses I gave up. I will see how far the MOV letter will get me & maybe a complaint to the FTC.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

Re: tired of nco

And before someone goes off about the name - this was not the rep's real name.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!
Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
0

Re: tired of nco

So what your saying is they moonwalked around your situation?   Great analogy!


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!
Frequent Contributor
sassymomof2
Posts: 280
Registered: ‎04-16-2011
0

Re: tired of nco

Yes!! Glad someone gets my sense of humor.

Starting Fico Feb 2011 EQ 570 TU 580 EX ?
May 2014 EQ 709 EX 684 TU discover 665

Closed on first home April 26, 2012!
Last app August 2, 2014. Gardening indefinitely!!!

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