Scott
Staten Island,#2Consumer Suggestion
Wed, October 25, 2006
Hi, hopfully I can give a little advice on the person who had the rebuttle. According to the FCRA, "Furnishers" are to contact "consumers" prior to adding any derogatory information on your credit reports. Aside from that, if there is any way you can prove this account is 6 years or older. Chances are it is outside the SOL (Statute Of Limitations) anyway, and NCO cannot legally report this account any longer. I would dispute the account. And if you have any copies of your old credit report showing that you had disputed the account previously and it was deleted. Then getting it deleted this time shouldnt be a problem. Dispute with NCO and the Credit bureau at the same time. If NCO "verifies" the account with which ever credit reporting agency and mark it that way on your credit report prior to them sending you validation of debt, you can possibly sue them for FCRA violations.
Jennifer
Levittown,#3Consumer Comment
Fri, October 20, 2006
NCO did the same thing to me. I was notified by my credit monitoring service that they made an entry on my credit report for supposedly owing them $56. At no time did they attempt to contact me prior to this and I don't owe anybody $56. What I think happened is they bought an old collections issue from Palisades that I successfully disputed in 2000. This was for an account that I never had with AT&T. It's been off my report for 6 years so how can they just up and put it back on there again after it was successfully disputed? I reported them to the FTC and now have to dispute this all over again with the credit agencies. For you "how to beat the colletion agency guru's", can they just put something on my report without ever contacting me. I'm pretty easy to find! I hate these lowlife bottom feeders!