You and your kind are the lowest scum of the earth.  You call people who don't have debt, you call their families, you call whoever the computers dial up and you have the unmitigated gall to chastise those of us who set out to inform the public about your illegal and unethical practices.  I do understand why you work where you do: a; no one else will give you a job, and b; it enables you to be rude and nasty to people without fear of repercussion.  Never fear, though, your karma will come back to you ten times over.

Any one have a clue on this # ?

calls when I am at work and leaves no message. Must be some fly by night comany!!!

NCO Financial  Got 2 calls today within 45 min of each other.  I am starting to keep a record of when they call.  I told them two weeks ago not to call and they continue.

call is from NCO Financial.  Relentless in thier pursuit of non existent person at this location.  Will not take no for an answer.  This company is harrassment at its worst.

This number call me every hour.

Keep calling me, left messages to call them back, but I did not. Anyway, on one call I answered the phone and they told me they were debt collection and looki ng for someone I don't know, does not live here. Woman did not want to believe a word I said, so I bluntly told her e F**k off. She got pissed at that, so I hung up. They stopped calling now :)

This number has called my house 5 times in last 2 days at odd times. I have had calls from NCO collections before using different number.  Always looking for someone I have never heard of.  No messages.

Same as everyone else.

collection company looking for someone I have never heard of. asked them to stop calling they said they would remove my number but still getting calls. Mans could not comprehend simple English.

keep getting calls every day after 10 pm asked them to stop calling they are looking for someone I have never heard of. want them to stop calling

It is a collection agency number for NCO financial (I believe that is the name.) They continue to call constantly even though the person they are calling for no longer lives here.  SO annoying.

Been getting calls from this # for last week or 2 now.  1-3x a day, including weekends. Only see phone #. No other identification with call. No message ever left.

who or what is this

called 3 times and leaves no messages anyone know who the heck it comes from

They are a pain, I just received new sim card for my cell phone and the company assured me that it is a new series of a phone number, What the heck!!!!

For those of you that owe money its YOUR fault. Don't buy stuff if you can't pay for it. What did you think would happen? Yes! You are a dead beat. You put yourself in this situation. They gave you the card because YOU wanted it. If someone gives you a loaded gun and you gonna shoot yourself? I lost my job......you should have never lived above your means!

They called me with the number(877.899.0192), they left me a voice mail to call them back with a reference no.

Who are these people and why the heck are yall calling me?  
Um, this is a new phone(& new SIM-card) which I just bought yesterday.

It's been a single darn day since I got a new phone with a new number and this pathetic company and their "agents" have nothing better to do with their filthy lives than call people as a scam?

Little petty do***ebags that can't afford a better job. xD

These people call me every day. All I get is a message to call them back.
They give telephone number to call as 877-899-0192.  They leave a reference number also. Being that I am not late on any payments to anyone,
I try to ignore this call, but it is getting very aggrivating.

I rarely use my cell phone so it was quite a surprise to find twelves messages on my voice mail from various people at NCO.  Every call was prefaced with the words that it was an important call and was related to bad debt and a reference number.  I have no deliquent accounts so I called their number from my land line and told them to stop immediately.  They did give me the name of the person they were searching for and it was no one that I had ever heard of so I told them that and requested they not keep calling my phone number.  I have had this cell phone number for three years so I think their records are in need of updating.

Financial services that do not tell you what company they are calling for, most of them I have talked to have been very rude, one of them said I got you I got you. like she had shot me on a video game. Sometimes the messages are in Spanish. I am not bilingual yet!

I just got a new home phone number on 8-11-2008 and today is 9-1-2008 and they have been calling everyday since. They wake me up 8:30am some mornings and I pick up the receiver and hang up, turn the ringer off because it rings for like 50 times, or curse them out and ask why are they calling I have no business with them, but they refuse to stop.

They call 7 days a week and you get a message thank you for calling NCO Financial Systems Incorporated your call may be monitored for quality assurance purposess, your call is important to us, please hold on the line for the next available caller. To expedite your call please have your account number, ID code, or telephone number and area code from which you receive the call.

Today is 9-1-2008 and they called 9:34am I picked the receiver up and hung up on them. Since I have a lot of free time today and free cell phone minutes I started calling them on my cell phone blocking my caller ID and keep hunging up on them or don't answer when they keep saying hello. They also have another number 215-441-3000.

called 8/23/08 @ 12:55 PM

NCO Financial Systems, Inc. ****
( Also goes by the name of NCO Portfolio Management)
507 Prudential Rd
Horsham, PA 19044-2308
Phone: (215) 441-3000
Fax: (215) 441-3923
Web Address: www.ncogroup.com
866-287-2543
Other Offices:
150 Crosspoint Pkwy
CrossPoint Business Park
Getzville, NY 14068-1602
Phone: (716) 404-2100
Fax: (716) 404-2120
And many more...
Bud Says...

ONE OF AMERICA'S WORST COLLECTION AGENCYS!

******** CONSUMER ABUSE  ALERT  **********

NCO Group to Pay Largest FCRA Civil Penalty to Date

One of the nation?s largest debt-collection firms will pay $1.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA) by reporting inaccurate information about consumer accounts to credit bureaus. The civil penalty against Pennsylvania-based NCO Group, Inc. is the largest civil penalty ever obtained in a FCRA case.

According to the FTC?s complaint, defendants NCO Group, Inc.; NCO Financial Systems, Inc.; and NCO Portfolio Management, Inc. violated Section 623(a)(5) of the FCRA. The law specifies that any entity that reports information to credit bureaus about a delinquent consumer account that has been placed for collection or written off must report the actual month and year the account first became delinquent. In turn, this date is used by the credit bureaus to measure the maximum seven-year reporting period the FCRA mandates. The provision helps ensure that outdated debts ? debts that are beyond this seven-year reporting period ? do not appear on a consumer?s credit report. Violations of this provision of the FCRA are subject to civil penalties of $2,500 per violation.

The FTC charges that NCO reported accounts using later-than-actual delinquency dates. Reporting later-than-actual dates may cause negative information to remain in a consumer?s credit file beyond the seven-year reporting period permitted by the FCRA for most information. When this occurs, consumers? credit scores may be lowered, possibly resulting in their rejection for credit or their having to pay a higher interest rate.

NCO is so bad, that in 2003, they have been sued 40 times for violations of the Fair Debt Collection Practices Act (FDCPA). These suits are usually filed when consumers are abused in violation of state and federal debt collection laws.

NCO is a money-mill, gobbling up competitors, buying portfolios of old debts for pennies, and expanding globally. These money-beggars are making their bottom-line profits at the expense and abuse of consumers.

One wonders how many lawsuits are NOT being filed because consumers do not know their rights or that NCO CAN be held accountable for their illegal debt collection practices.

Apparently, NCO is not spending enough time and money to properly train their debt collectors in accordance with law, the FDCPA. Do they hire any derelict that may be in-between court and treatment dates simply to harass, abuse, and oppress consumers? There is no mention of drug testing at their web site, so can you be hired at NCO if one has bad habits and a need for fast-cash. This must be a 'dream-job' for anyone with a prison record, drug habit, or any con artist out to defraud some fast money off unsuspecting consumers. Are you aware of the personal consumer information these money beggars have access to? I shudder to think how much information is being illegally used at agencies such as NCO. You should be VERY nervous about the type of individuals who have this unprecedented and open access to ALL of your personal information.

It's just a matter of time until collectors start calling with accents from countries like India, Pakistan and....(ooohhh my gawd!!)

NCO's CEO, Michael J. (kinky) Barrist seems to be astonishing Wall Street (NASDAQ:NCPM) with his financial wizardry. He certainly appears to be pumping up the bottom line. (One lawsuit at a time?) In my experience, this type of greed and consumer abuse will catch up with NCO, just as it did with Commercial Financial Systems (CFS) and Outsourcing Solutions Inc (OSI). Both operations were out of control just prior to their filing for bankruptcy protection. CFS's top brass is facing federal criminal charges in highly anticipated court proceedings scheduled for later this year.

If you are receiving abuse from NCO, contact me for referral to a local consumer law professional in your area. NCO, with $800+million in revenues last year, has more money than a South American drug cartel, so use the law to make them pay when they violate the laws and your consumer rights.

Do not let NCO's under-trained, uneducated and FDCPA lacking debt-collectors make a paycheck at your expense.
Big agencies pay big salaries to their ego-driven brass. NCO should spend a lot more time training their collectors and dealing with consumer complaints, in this case BIGGER does NOT mean BETTER! (Except for Kinky and his top brass team of money beggars)

http://www.budhibbs.com/debtcollectorpages/nco_financial_systems.htm

Call from NCO Financial;notice that it was an attempt to collect a debt;call them back.

they call me upwards of 15 times a day. i have told them to stop calling me because it is a cell phone and just to contact me through the mail....they keep calling. sometimes its as if they let it ring until voicemail and then call immediately back. aaaaarrrggghhh!!!!! if anyone can help me please do so...im going nuts!

[Insert name of collection agent, if available]
[Insert name of collection agency]
[Insert address of collection agency]
[Insert City/State/Zip of collection agency]

REF: Account # [Insert either the original account number or the collection agency's account reference number here]


Dear [Insert name of debt collector calling--if available--here]:

1. You are hereby notified under provisions of Public Laws 104-208, also known as the Fair Debt Collection Practices Act, that your services are no longer desired.

2. You and your organization must CEASE & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the [Insert your home state here] Attorney General's office. I will pursue all criminal and civil claims against you and your company.


3. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future.

4. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law.

5. Since it is my policy neither to recognize nor deal with collection agencies, I will settle this account with the original creditor.

Give this matter the attention it deserves!

And have a nice day.


[Sign your name here]

[Insert your name here]

Your Name
Address
City, State Zip


Debt Collector?s Name
Address
City, State Zip

Re: Account Number

Dear Debt Collector:

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe.

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the [your state here] Attorney General?s office. Civil and criminal claims will be pursued.

Sincerely,

Your Name

Once the collection agency receives your cease and desist letter they can communicate with you once more, via mail, letting you know one of three things: that further efforts to collect the debt are terminated, that certain actions may be taken by the debt collector, or that the debt collector is definitely going to take certain actions.

When you send the cease and desist letter to the debt collector, send it via certified mail with return receipt requested. This will provide proof that the letter was sent and received. If the debt collector communicates with you beyond the single instance allowed by law, this evidence will allow you to seek punitive action against the debt collector.

If you do not know the person or the debt just use one of the above and they can never call you again.

The address if any of you feel as harassed as I do is: NCO Financial Systems  507 Prudential Rd  Horsham,PA 19044


works on any company trying to colect a debt. Tried and tested, some will mislead they are a lawyer but they are not. PS do not sign for ant regesterd mail.
                                 SOmetimes laws work in our favor

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Credit and Your Consumer Rights
A good credit rating is very important. Businesses inspect your credit history when they evaluate your applications for credit, insurance, employment, and even leases. They can use it when they choose to give or deny you credit or insurance, provided you receive fair and equal treatment. Sometimes, things happen that can cause credit problems: a temporary loss of income, an illness, even a computer error. Solving credit problems may take time and patience, but it doesn?t have to be an ordeal.

The Federal Trade Commission (FTC) enforces the credit laws that protect your right to get, use and maintain credit. These laws do not guarantee that everyone will receive credit. Instead, the credit laws protect your rights by requiring businesses to give all consumers a fair and equal opportunity to get credit and to resolve disputes over credit errors. This brochure explains your rights under these laws and offers practical tips to help you solve credit problems.

Your Credit Report
Your credit report contains information about where you live, how you pay your bills, and whether you?ve been sued, arrested, or filed for bankruptcy. Consumer reporting companies sell the information in your report to businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy and privacy of information in the files of the nation?s consumer reporting companies. Under the Fair Credit Reporting Act:

You have the right to receive a copy of your credit report. The copy of your report must contain all the information in your file at the time of your request.

Each of the nationwide consumer reporting companies ? Equifax, Experian, and TransUnion ? is required to provide you with a free copy of your credit report, at your request, once every 12 months. The companies are rolling this out across the country during a nine-month period. By September 2005, consumers from coast to coast will have access to a free annual credit report if they ask for it. For details, see Your Access to Free Credit Reports at ftc.gov/credit.

Under federal law, you?re also entitled to a free report if a company takes adverse action against you, like denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You?re also entitled to one free report a year if you?re unemployed and plan to look for a job within 60 days; if you?re on welfare; or if your report is inaccurate because of fraud, including identity theft.

Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.

You have the right to know who asked for your report within the past year ? two years for employment related requests.

If a company denies your application, you have the right to the name and address of the consumer reporting company they contacted, provided the denial was based on information given by the consumer reporting company.

If you question the accuracy or completeness of information in your report, you have the right to file a dispute with the consumer reporting company and the information provider (that is, the person, company, or organization that provided information about you to the consumer reporting company). Both the consumer reporting company and the information provider are obligated to investigate your claim, and responsible for correcting inaccurate or incomplete information in your report. For details, see How to Dispute Credit Report Errors at ftc.gov/credit.

You have a right to add a summary explanation to your credit report if your dispute is not resolved to your satisfaction. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
Your Credit Application
When creditors evaluate a credit application, they cannot engage in discriminatory practices.

The Equal Credit Opportunity Act (ECOA) prohibits credit discrimination on the basis of sex, race, marital status, religion, national origin, age, or receipt of public assistance. Creditors may ask for this information (except religion) in certain situations, but they may not use it to discriminate against you when deciding whether to grant you credit.

The ECOA protects consumers who deal with companies that regularly extend credit, including banks, small loan and finance companies, retail and department stores, credit card companies, and credit unions. Everyone who participates in the decision to grant credit, including real estate brokers who arrange financing, must follow this law. Businesses applying for credit also are protected by this law. Under the Equal Credit Opportunity Act:

You cannot be denied credit based on your race, sex, marital status, religion, age, national origin, or receipt of public assistance.

You have the right to have reliable public assistance considered in the same manner as other income.

If you are denied credit, you have a legal right to know why.
For details, see Equal Credit Opportunity at ftc.gov/credit.

Your Credit Billing and Electronic Fund Transfer Statements

It is important to check credit billing and electronic fund transfer account statements regularly because these documents may contain mistakes that could damage your credit status or reflect improper charges or transfers. If you find an error or discrepancy, notify the company and dispute the error immediately. The Fair Credit Billing Act (FCBA) and Electronic Fund Transfer Act (EFTA) establish procedures for resolving mistakes on credit billing and electronic fund transfer account statements, including:

charges or electronic fund transfers that you ? or anyone you have authorized to use your account ? have not made;

charges or electronic fund transfers that are incorrectly identified or show the wrong date or amount;

math errors;

failure to post payments, credits, or electronic fund transfers properly;

failure to send bills to your current address ? provided the creditor receives your change of address, in writing, at least 20 days before the billing period ends;

charges or electronic fund transfers for which you ask for an explanation or written proof of purchase along with a claimed error or request for clarification.
The FCBA generally applies only to ?open end? credit accounts ? credit cards and revolving charge accounts, like department store accounts. It does not apply to loans or credit sales that are paid according to a fixed schedule until the entire amount is paid back, like an automobile loan. The EFTA applies to electronic fund transfers, like those involving automatic teller machines (ATMs), point-of-sale debit transactions, and other electronic banking transactions.

For details, see Fair Credit Billing and A Consumer?s Guide to E-Payments at ftc.gov/credit.

Your Debts and Debt Collectors
You are responsible for your debts. If you fall behind in paying your creditors, or if an error is made on your account, you may be contacted by a ?debt collector.? A debt collector is any person, other than the creditor, who regularly collects debts owed to others, including lawyers who collect debts on a regular basis. You have the right to be treated fairly by debt collectors.

The Fair Debt Collection Practices Act (FDCPA) applies to personal, family, and household debts. This includes money you owe for the purchase of a car, for medical care, or for charge accounts. The FDCPA prohibits debt collectors from engaging in unfair, deceptive, or abusive practices while collecting these debts. Under the Fair Debt Collection Practices Act:

Debt collectors may contact you only between 8 a.m. and 9 p.m.

Debt collectors may not contact you at work if they know your employer disapproves.

Debt collectors may not harass, oppress, or abuse you.

Debt collectors may not lie when collecting debts, such as falsely implying that you have committed a crime.

Debt collectors must identify themselves to you on the phone.

Debt collectors must stop contacting you if you ask them to do so in writing.
For details, see Fair Debt Collection at ftc.gov/credit.

Solving Your Credit Problems
Your credit report can influence your purchasing power, as well as your opportunity to get a job, rent or buy an apartment or a house, and buy insurance. When negative information in your report is accurate, only the passage of time can assure its removal. A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. Information about an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you?ve applied for more than $150,000 worth of credit or life insurance. There is a standard method for calculating the seven-year reporting period. Generally, the period runs from the date that the event took place.

If you are having problems paying your bills, contact your creditors immediately. Try to work out a modified payment plan with them that reduces your payments to a more manageable level. Don?t wait until your account has been turned over to a debt collector.

Here are some additional tips for solving credit problems:

If you want to dispute a credit report, bill or credit denial, write to the appropriate company and send your letter ?return receipt requested.?

When you dispute a billing error, include your name, account number, the dollar amount in question, and the reason you believe the bill is wrong.

If in doubt, request written verification of a debt.

Keep all your original documents, especially receipts, sales slips, and billing statements. You will need them if you dispute a credit bill or report. Send copies only. It may take more than one letter to correct a problem.

Be skeptical of businesses that offer instant solutions to credit problems: There aren?t any.

Be persistent. Resolving credit problems can take time and patience.

There is nothing that a credit repair company can charge you for that you cannot do for yourself for little or no cost.
If you?re not disciplined enough to create a workable budget and stick to it, work out a repayment plan with your creditors, or keep track of mounting bills, consider contacting a credit counseling organization. Many credit counseling organizations are nonprofit and work with you to solve your financial problems. But not all are reputable. For example, just because an organization says it?s ?nonprofit,? there?s no guarantee that its services are free, affordable, or even legitimate. In fact, some credit counseling organizations charge high fees, or hide their fees by pressuring consumers to make ?voluntary? contributions that only cause more debt.

Most credit counselors offer services through local offices, the Internet, or on the telephone. If possible, find an organization that offers in-person counseling. Many universities, military bases, credit unions, housing authorities, and branches of the U.S. Cooperative Extension Service operate nonprofit credit counseling programs. Your financial institution, local consumer protection agency, and friends and family also may be good sources of information and referrals.

Reputable credit counseling organizations can advise you on managing your money and debts, help you develop a budget, and offer free educational materials and workshops. Their counselors are certified and trained in the areas of consumer credit, money and debt management, and budgeting. Counselors discuss your entire financial situation with you, and help you develop a personalized plan to solve your money problems. An initial counseling session typically lasts an hour, with an offer of follow-up sessions.

For more information, see Knee Deep in Debt and Fiscal Fitness: Choosing a Credit Counselor at ftc.gov/credit.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

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Your Access to Free Credit Reports
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies ? Equifax, Experian, and TransUnion ? to provide you with a free copy of your credit report, at your request, once every 12 months. The FCRA promotes the accuracy and privacy of information in the files of the nation?s consumer reporting companies. The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the FCRA with respect to consumer reporting companies.

A credit report includes information on where you live, how you pay your bills, and whether you?ve been sued, arrested, or filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

Here are the details about your rights under the FCRA and the Fair and Accurate Credit Transactions (FACT) Act, which established the free annual credit report program.

Q: How do I order my free report?
A: The three nationwide consumer reporting companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report.

To order, visit annualcreditreport.com, call 1-877-322-8228, or complete the Annual Credit Report Request Form and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The form is on the back of this brochure; or you can print it from ftc.gov/bcp/conline/edcams/credit. Do not contact the three nationwide consumer reporting companies individually. They are providing free annual credit reports only through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time. The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.

A Warning About ?Imposter? Websites
Only one website is authorized to fill orders for the free annual credit report you are entitled to under law ? annualcreditreport.com. Other websites that claim to offer ?free credit reports,? ?free credit scores,? or ?free credit monitoring? are not part of the legally mandated free annual credit report program. In some cases, the ?free? product comes with strings attached. For example, some sites sign you up for a supposedly ?free? service that converts to one you have to pay for after a trial period. If you don?t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

Some ?imposter? sites use terms like ?free report? in their names; others have URLs that purposely misspell annualcreditreport.com in the hope that you will mistype the name of the official site. Some of these ?imposter? sites direct you to other sites that try to sell you something or collect your personal information.

annualcreditreport.com and the nationwide consumer reporting companies will not send you an email asking for your personal information. If you get an email, see a pop-up ad, or get a phone call from someone claiming to be from annualcreditreport.com or any of the three nationwide consumer reporting companies, do not reply or click on any link in the message. It?s probably a scam. Forward any such email to the FTC at spam@uce.gov.

Q: What information do I need to provide to get my free report?
A: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Q: Why do I want a copy of my credit report?
A: Your credit report has information that affects whether you can get a loan ? and how much you will have to pay to borrow money. You want a copy of your credit report to:

make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.

help guard against identity theft. That?s when someone uses your personal information ? like your name, your Social Security number, or your credit card number ? to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don?t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.
Q: How long does it take to get my report after I order it?
A: If you request your report online at annualcreditreport.com, you should be able to access it immediately. If you order your report by calling toll-free 1-877-322-8228, your report will be processed and mailed to you within 15 days. If you order your report by mail using the Annual Credit Report Request Form, your request will be processed and mailed to you within 15 days of receipt.

Whether you order your report online, by phone, or by mail, it may take longer to receive your report if the nationwide consumer reporting company needs more information to verify your identity.

There also may be times when the nationwide consumer reporting companies receive a high volume of requests for credit reports. If that happens, you may be asked to re-submit your request. Or, you may be told that your report will be mailed to you sometime after 15 days from your request. If either of these events occurs, the nationwide consumer reporting companies will let you know.

Q: Are there any other situations where I might be eligible for a free report?
A: Under federal law, you?re entitled to a free report if a company takes adverse action against you such as denying your application for credit, insurance, or employment and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the consumer reporting company. You?re also entitled to one free report a year if you?re unemployed and plan to look for a job within 60 days; if you?re on welfare; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a consumer reporting company may charge you up to $9.50 for another copy of your report within a 12-month period.

To buy a copy of your report, contact:

Equifax: 800-685-1111; www.equifax.com

Experian: 888-EXPERIAN (888-397-3742); www.experian.com

Trans Union: 800-916-8800; www.transunion.com
Under state law, consumers in Colorado, Georgia, Maine, Maryland, Massachusetts, New Jersey, and Vermont already have free access to their credit reports.

Q: Should I order a report from each of the three nationwide consumer reporting companies?
A: It?s up to you. Because nationwide consumer reporting companies get their information from different sources, the information in your report from one company may not reflect all, or the same, information in your reports from the other two companies. That?s not to say that the information in any of your reports is necessarily inaccurate; it just may be different.

Q: Should I order my reports from all three of the nationwide consumer reporting companies at the same time?
A: You may order one, two, or all three reports at the same time, or you may stagger your requests. It?s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

Q: What if I find errors ? either inaccuracies or incomplete information ? in my credit report?
A: Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take full advantage of your rights under this law, contact the consumer reporting company and the information provider.

Tell the consumer reporting company, in writing, what information you think is inaccurate.
Consumer reporting companies must investigate the items in question ? usually within 30 days ? unless they consider your dispute frivolous. They also must forward all the relevant data you provide about the inaccuracy to the organization that provided the information. After the information provider receives notice of a dispute from the consumer reporting company, it must investigate, review the relevant information, and report the results back to the consumer reporting company. If the information provider finds the disputed information is inaccurate, it must notify all three nationwide consumer reporting companies so they can correct the information in your file.

When the investigation is complete, the consumer reporting company must give you the written results and a free copy of your report if the dispute results in a change. (This free report does not count as your annual free report under the FACT Act.) If an item is changed or deleted, the consumer reporting company cannot put the disputed information back in your file unless the information provider verifies that it is accurate and complete. The consumer reporting company also must send you written notice that includes the name, address, and phone number of the information provider.


Tell the creditor or other information provider in writing that you dispute an item. Many providers specify an address for disputes. If the provider reports the item to a consumer reporting company, it must include a notice of your dispute. And if you are correct ? that is, if the information is found to be inaccurate ? the information provider may not report it again.
Q: What can I do if the consumer reporting company or information provider won?t correct the information I dispute?
A: If an investigation doesn?t resolve your dispute with the consumer reporting company, you can ask that a statement of the dispute be included in your file and in future reports. You also can ask the consumer reporting company to provide your statement to anyone who received a copy of your report in the recent past. You can expect to pay a fee for this service.
If you tell the information provider that you dispute an item, a notice of your dispute must be included any time the information provider reports the item to a consumer reporting company.

Q: How long can a consumer reporting company report negative information?
A: A consumer reporting company can report most accurate negative information for seven years and bankruptcy information for 10 years. There is no time limit on reporting information about criminal convictions; information reported in response to your application for a job that pays more than $75,000 a year; and information reported because you?ve applied for more than $150,000 worth of credit or life insurance. Information about a lawsuit or an unpaid judgment against you can be reported for seven years or until the statute of limitations runs out, whichever is longer.

Q: Can anyone else can get a copy of my credit report?
A: The FCRA specifies who can access your credit report. Creditors, insurers, employers, and other businesses that use the information in your report to evaluate your applications for credit, insurance, employment, or renting a home are among those that have a legal right to access your report.

Q: Can my employer get my credit report?
A: Your employer can get a copy of your credit report only if you agree. A consumer reporting company may not provide information about you to your employer, or to a prospective employer, without your written consent.

The FTC works for the consumer to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.
                                      Good Luck Michael
                                     PS check you state laws in some states they can not collect consumer debt, and in some they can not garnish your wages, except for DR Bills, Taxes, Child Support

Riesa Azna has called me about 13 times since 7am and it is 542pm EST. I finally called her back to get their address to mail my disgust with their company. This agent became very argumentative with me and was screaming at me that she did not have to give me their address. I called back and got a different agent named Chris. The address if any of you feel as harassed as I do is: NCO Financial Systems  507 Prudential Rd  Horsham,PA 19044

Rena Azna answered when I replied to their 1000 message after having told NCO Financial on numerous occations tha Marla Kyle has never lived at the number they call or is even know my me.  They use reference ixy753 when replying to their harrassing messages 7 days a week in violation of the Fair Debt Collection Practices Act.  I believe they use this as a way to gain information on consumers to possible perpetuate consumer fraud.

Calling my number and wanting to talk to somebody I never heard of