I recently checked my credit report and I discovered an entry that I have no idea where it came from. The account name is liisted as NCO FIN/99. The date open is 12/1. The amount is $352.00. The Term is 1 month. The only entries in the payment history are for OCT 05, NOV 05, DEC 05, and JAN 06. All are marked as CO. The staus says "Seriously Past due date / assigned to attorney, collection agency, or credit grantor's internal collection department"
I am currently in the Army, stationed in Korea. My home of record is in Illinois. Neither I, nor my mother have received notice of any debt from this company. What laws apply to me (especially concerning recording conversations on the phone, which is illegal in IL without the consent of the other party.)
I have researched on the internet for contact info and have surmised that the account holder must be NCO Financial. After reading through hours of horror stories about dealing with this company, I need some good advice before I try to contact them.
Can someone help me, because I am worried I might approach the wrong way and get screwed with like so many other satisfied NCO customers.
Nathan
APO AP
U.S.A.
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