Just found out that our Home Depot Acct was sent to collections. Apparent just done yesterday and NCO is already calling. Just checked CR and it still shows as HD but as a charge off, nothing about NCO. So we are wanting to PFD. Do we PFD Home Depot or NCO? DH contaced HD and they did say that they turned the acct over to a NCO.
DH said that when he called HD that they said that NCO is now handling the acct. I am going to have to go and brush up on my abbreviations some, I have heard of PFD but not pay for not reporting.
Call NCO ask them if you pay in full will they send you in writing saying the account is closed and NO further collection activity will take place including reporting to the CRA. If so when you get it in writing pay it. Then you will not spend the next how ever many years trying to get a collection removed . a new collection will kill your score!
I will definitely do it in writing. When they called they already told DH a bunch of lies, one including that they talked to me earlier today. I have never talked to them! They already offered DH a payment plan, thank goodness he did not give them our checking acct info.! I don't trust them one bit.
