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credit report

G

glen

Lifer
NCO is an evil company.
They are hittign my CR for a $50 charge I paid, yet I can't get it taken off.
I have called the hospital, and every billing place they have ever used, and no one can find this account or bill.
I disputed it on my CR, but they said it came back verified.
I don't knwo what the heck I can due further on this.
Anyone know the ins and outs of this?
 
it is up to the billing party to prove it is owed. you should be able to write a letter asking that they verify the charge, and if they cannot it must be removed.
 
Yes, what you need to do is send a debt validation lettter to NCO, and demand that they either provide validation for the debt or remove it from the report. Make sure it's certified. If after 30 days they have not provided such validation, you send a new letter to the credit bureau, including the one you had sent to NCO, telling them that since the debt was not validated, they are to remove the entry immediately. Also make sure that letter is certified. If they don't comply, sue them under the FDCPA.

Lots of good info here: creditinfocenter
 
Agreed that NCO is evil.

However, are they reporting the collection as paid or unpaid on your CR? Keep in mind that, even if paid, the collection will still report for 7 years. Or are you saying that you paid the original creditor directly and it should never have gone to collections, and thus should never have been reported as a collection to your CR? If so, did you receive your 30-day dispute notice and did you dispute within that time window?
 
It's funny, letters from companies like NCO always say things like "if you do not respond within xxx days, we will assume the debt is valid blah blah blah". They can assume whatever they want, that does not make it so. Let them assume whatever, they still have the burden of proving their claim.
 
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