- Report: #333704
Complaint Review: Nco Fin/22 - Willmington Delaware
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Author Confirmed
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Nco Fin/22
P. O. Box 17080 Willmington, 19850 Delaware, U.S.A.
Phone:
800-709-8613
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Nco Fin/22 Paid Off On April 2007 Have Still Not Reported As Paid To Sprint The O.c. paid off on april 2007 have still not reported as paid to sprint the o.c. Willmington Delaware
have been cleaning up my credit report and getting collection accounts paid and removed.
nco fin/22 is reporting it wrong on my credit report it has a negative of 120 days late in april of 2007( it was paid on 27 april 2007) then they have me late 120 days again on jan 2008. then i get a call from sprint telling me they need me to come current on my old account. saying it is way past due.
have emails from sprint telling me to pay the $186. sent them an email telling them i paid nco and they tell me they have no record of payment. i have printed all emails with sprint.
then i call nco and the supervisor(bill rube) tells me they can report it late as many time as they want until the seven years are up but then tells me that my account is paid in full as of 27 april 2007.
james
oxnard, California
U.S.A.
nco fin/22 is reporting it wrong on my credit report it has a negative of 120 days late in april of 2007( it was paid on 27 april 2007) then they have me late 120 days again on jan 2008. then i get a call from sprint telling me they need me to come current on my old account. saying it is way past due.
have emails from sprint telling me to pay the $186. sent them an email telling them i paid nco and they tell me they have no record of payment. i have printed all emails with sprint.
then i call nco and the supervisor(bill rube) tells me they can report it late as many time as they want until the seven years are up but then tells me that my account is paid in full as of 27 april 2007.
james
oxnard, California
U.S.A.
3 Updates & Rebuttals
Steve
Bradenton,Florida,
U.S.A.
Learning what is actually happening here will help you deal with it.
#2Consumer Suggestion
Wed, May 21, 2008
First of all NCO FINANCIAL are JUNK DEBT BUYERS. Sprint is no longer involved here. Therefore, when you made your payment to NCO, it WAS NOT being made on behalf of Sprint. Also, paying an old collection account WILL NOT "remove" the entry from your credit report. It will stay on your report for the full 7 years allowed, and will actually hurt your ollection account alone. This is because you have shown recent activity on the delinquent account which is scored more harshly as a recent delinquency. If you pay off a collection account, it will simply show as a paid collection, which is still negative for scoring purposes. NEVER pay an old collection account. NEVER speak to any third party debt collector or junk debt buyer on the phone.
Harleyjames
oxnard,California,
U.S.A.
remember this is 2008 what is the process know
#3Author of original report
Tue, May 20, 2008
they have not updated this to the OC in over a year thou they validated it to the CRA's in jan it was paid off in april of 2007 over one year and one month. what is the next steps from here. any help ? thanks
Robert
Buffalo,New York,
U.S.A.
Just so you know...
#4Consumer Comment
Tue, May 20, 2008
it can sometime take up to almost 60 days for a paid off account to be correctly reflected on your credit reports. I would wait about 30 more days and then request a credit report from one of the CRAs and see what is shown. IF they fail to report it as paid up, they are violating the Fair Credit Reporting Act.
