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I am looking to purchase a 2nd home soon and i realized i need to cleanup my credit report. Amongst all other things I have one medical collection that just reported a couple of months ago. This obviously has the biggest impact on my scores and has become #1 priority. Details below NCO FINANCIAL SYSTEMS PO Box 15273 Wilmington, DE 198505273 06/2014 04/2014 Medical/Health Care MEDEXPRESS URGENT CARE NJ XXXXXXXX Individual Account. $60 12/2013 06/2014 $60 N/A 06/2014 D - Unpaid Medical Unfortunately, Ive just paid this with the Original Creditor (Medexpress) and realize I should have waited to go through the process per Whychats HIPAA Letter program.. Anyways Steps Ive taken so far: 1. Opted out 2. Pulled all three reports 3. Spoke to billing at Medexpress (OC) and they are going to put in a request to remove from reports but said they cannot "guarantee" anything. Did I make a big mistake speaking to Medexpress rather than sending a GW letter? The first person i spoke to refused, then i requested to speak to the supervisor who heard me out and agreed to put in a request. even said she would call me when she had resolution. 4. Drafted out Pre HIPPA Dispute letters to be sent to CRA's on 09/11/2014 using Whychats format I will post my updates as they become available and i am hoping the experts on this forum can hold my hand through this process.. Thanks in advance.

Hi all, so I recently checked my credit score and was reminded that I have an open collections account from 3 years back. The original account is from the Justice Court over a parking ticket and got sent to collection agency NCO. I recently read that simply paying off the collections account does not improve your credit score and that I need to send a 'demand to validate' letter to NCO before I pay. I also read that you can negotiate a 'pay to delete' agreement. Is this accurate? If so, can anyone elaborate on the process and what needs to be included in the letter? Also, can the negotiation to delete the information from my credit report be done over the phone? Does anyone have experience dealing with NCO? Thank you for the replies.

Hello! This is my first post so bear with me if this questions been asked & answered somewhere else. Here's a little bit about my situation: -I defaulted on a student loan that was originally serviced by National Collegiate Trust-- transferred to NCO Financial Systems and I contacted them as soon as I realized the loan was in default. (I know it sounds stupid but I had moved so many times and underwent multiple, expensive tragedies that year and I regret it going into default so badly...) -I immediately set up a payment plan of $200.00/month in August of 2012-- I've been making monthly payments since that time. At one point I asked the NCO rep (the one assigned to me is quite mean and very rude to me every time I call her) about rehabilitation and she told me that was not possible. -I looked at my Equifax today and realized that on my CR the debt is still listed as "180 days past due" with no reflection that I have been making payments. I asked the NCO rep this morning about this and she said that nothing could possibly be changed on my CR until the debt ($21,000) is paid in full. All of my other student loans, car payments, accounts are in good standing and I make all the monthly payments as arranged. 1. Is this rep right about rehabilitation? I know that there are differences in rehabilitation for private vs federal loans and this is private, so I'm thinking it may not be possible to rehab it? 2. Is she correct about nothing being able to be done with my credit report to reflect that I do make monthly payments? I am unable to make a payoff of the $21 K at this time-- It's hard enough to make the 200 a month with all of my other expenses. I am hoping to save in the next few years to pay this darn sum at once! 3. I have no idea how consolidation works, but I do have federal student loans as well as 2 additional private loans-- would consolidation be a helpful option for me? Thank you so very much for any help you could give me in this regard! E

http://www.ftc.gov/opa/2013/07/nco.shtm With more than 32,000 employees and revenues in 2011 of more than $1.2 billion, the Texas-based Expert Global Solutions and its subsidiaries – ALW Sourcing, LLC; NCO Financial Systems, Inc.; and Transworld Systems, Inc., which also does business as North Shore Agency, Inc. – collectively are the largest debt collector in the world. In addition to their U.S. offices, the companies operate in Canada, Barbados, India, the Philippines, and Panama. In its complaint, the FTC charged that the companies violated the Fair Debt Collection Practices Act and the FTC Act by using tactics such as calling consumers multiple times per day, calling even after being asked to stop, calling early in the morning or late at night, calling consumers’ workplaces despite knowing that the employers prohibited such calls, and leaving phone messages that disclosed the debtor’s name, and the existence of the debt, to third parties. According to the FTC’s complaint, the companies also continued collection efforts without verifying the debt, even after consumers said they did not owe it. Under the proposed order, whenever a consumer disputes the validity or the amount of the debt, the defendants must either close the account and end collection efforts, or suspend collection until they have conducted a reasonable investigation and verified that their information about the debt is accurate and complete. The proposed order also restricts situations in which the defendants can leave voicemails that disclose the alleged debtor’s name and the fact that he or she may owe a debt. Also under the proposed order, the defendants must: stop falsely representing that they will not call a number to collect a debt; not harass, oppress, or abuse a consumer while attempting to collect a debt; not communicate with third parties about a consumer’s debt; not communicate with a consumer at his or her workplace if it is clearly inconvenient or prohibited by the consumer’s employer; except in limited circumstances, cease communications if a consumer has requested no further contact or if a consumer refuses to pay a debt; and not violate any provision of the Fair Debt Collection Practices Act. The defendants also are required to record at least 75 percent of all their debt collection calls beginning one year after the date of the order, and retain the recordings for 90 days after they are made.

Good morning my fellow CBers I would like your input regarding the next steps I should take and if I am heading on the right path. I currently live in NC and to my understanding a cell phone contract is a written contract with a 3 year SOL for suit? Correct me if I'm wrong. I have read that Midland likes to sue so I was thinking maybe my best course of action is to wait until later on this year to attack those two accounts. Collection accounts Midland DOFD: 05/2010 Date Opened: 07/2012 $495, DOFD: 07/2010 Date Opened: 08/2012 $470 (these are two T-Mobile accounts that were not paid) For the following accounts I want to do PFD. First course of action is to DV, then follow up with a PFD (if they validate). NCO-Nationwide Insurance $80 from 2008 Trident Asset Management-03/2010 $73.00 Interstate Credit Collection-06/2012 $95.00 Lates-GW letters don't really help these two right? What would you do next? Active account with lates: BOA 1 late from Dec 2010, CapOne 2 lates Jan & Feb 2011 Closed account with lates: NSECU Sept/Oct/Nov/Dec 2008 30/30/60/90 -I wonder if I can get this removed since it's old? Successes so far since 02/10/2013~Eq-removed all old addresses, employer and telephone numbers. Experian-I have been able to have Exp/Eq remove two old charged off accounts from First Premier and Dakota State Bank. Currently waiting for Transunion to finish investigation. Thanks for all of your input! It is greatly appreciated