NCO - Good News!

[Anonymous]

I sent a

09/27/07 - sent a PFD letter to Progressive

Response - they couldn't find the account (I think the trouble was that I used the collection account number and they didn't have anything to reference it to)

10/25/07 - sent a PFD letter to NCO

Response - Please be advised that the above-referenced account is closed in our office.  Further inquiry regarding the underlying debt may be directed to Progressive . . .

In addition, please be advised that we have contacted the credit bureaus, with which we do business, with our request to delete our listing of the above-referenced account from your credit profile for the social security number we have listed in our records.  Please be advised that NCO Financial Systems Inc cannot effect a change to how any other company may have listed the above account on your credit profile.

NCO is the only entity who has reported this on my credit reports . . . so . . . hopefully . . . Progressive won't add it back to the reports since they can't seem to find the account.

One more delete!

[Anonymous]

How did you mange it?  I cant get them to remove a 62.00 colection from my files.

[Anonymous]

This is the letter I sent - I think it worked for me because they don't have my account anymore.  HTH

October 25, 2007

NCO Financial Systems Inc

PO Box 41466

Philadelphia PA 19101

***SENT VIA CERTIFIED MAIL***

Certified Mail No. 12341234123412341234

Re:       Collection Account #: 12341234

             Amount: $178.00

To Whom It May Concern:

This letter is to inform you that the validity of this debt is disputed. I am not sure of the account number, as I have never heard from you regarding this account. The account number I have is the one listed on my TransUnion credit report – which omits the last few digits.

In the spirit of compromise, I am willing to pay this account IN FULL if you agree to immediate deletion of this account from any and all credit reporting agencies (Equifax, Experian and TransUnion). The purpose of this settlement is merely to have this item removed from my credit files. It is not to be construed as an acknowledgment of liability for this debt in any form.

If you agree to the terms and accept this agreement, certified funds for the settlement amount of one-hundred seventy-eight dollars ($178.00) will be sent to NCO Financial Systems Inc in exchange for full deletion of ALL references regarding this account from my credit files and full satisfaction of the debt. As certified funds will be used for payment, there shall be no waiting period regarding the deletion of this account from the credit reporting agencies.

NCO Financial Systems Inc agrees to delete ALL information regarding this account from the credit reporting agencies WITHIN TEN CALENDAR (10) DAYS following receipt of payment as specified above and will not discuss the terms of this settlement with anyone, excluding your client on this account. If contacted by any third party, including credit-reporting agencies, NCO Financial Systems Inc will not acknowledge that any settlement offer was made, accepted or executed and will, in fact, deny knowledge of any such account.

If you agree to the above terms, please prepare a letter on your company letterhead explicitly agreeing to the same terms as the above settlement offer and have it signed by an authorized representative of NCO Financial Systems Inc. It will be implied that this letter shall constitute a legally binding contract, enforceable under the laws of my state.

Your response must be postmarked no later than 15 days from your receipt of this settlement offer or this offer will be withdrawn and I will request full validation of this alleged debt, as provided for by the Fair Debt Collection Practices Act.

Please address all correspondence regarding this account to:

Cathleen Azsassycat

1234 Anystreet St

Anytown AZ 81234

[Anonymous]

Cathleen, you are a shining example to us all. Thank you for sharing your experiences. I'm sure others can learn from yours.