Kim
Quincy,#2Consumer Suggestion
Wed, April 18, 2007
This was a few years ago, but I had a Sears card default and it was sold to NCO for collection. I check my credit report regularly now that I have cleaned up my obligations, and noticed that not all creditors report to all bureaus. Just keep in mind the lady you spoke with, although well intentioned, was probably giving some incorrect information. However, NCO is not a well-behaved collection agency so I don't doubt your story is true that they really don't have a legit account of yours. In any case, it sounds like you are doing your homework, so press on as you have been in and request in writing that NCO send you proof of the debt. I doubt they can! Good luck!
K
Wichita,#3Consumer Suggestion
Wed, April 18, 2007
The lady you spoke with at Sears is an idiot. Sears does use outside collection agencies and they do sell off their accounts as well. Portfolio Recovery purchases the majority of their accounts.