Equifax Credit Report Yearly
2010
Is this a Credit Reporting Agency or a Collection Agency? I received a call from Equifax with an 800 number?
When the phone was answered, it said thank you for calling NCO Financial Systems Inc. Is that Equifax??? I’m confused!
I filled out a form for a free yearly report, but didn’t get one. What’s happening?
AM…is Equifax allowing them to use their name? It seems like a conflict of interest for a reporting agency to be involved in collections.
To all: When I tried to get my credit report, I was asked what agency was used for my application for a mortgage in 2004–I made no application for a mortgage since the one I got in 1985. Ideas?
I have caller ID. Two of the calls identified the caller as Equifax, but the 800 number was for NCO. That is why I connected the two.
NCO is like the other answers have said a collection agency. They likely have some kind of account you didn’t take care of. Though that’s a guess on my behalf. I don’t know where you filled out your form for a free credit report, but if you go to www.annualcreditreport.com you can get a copy for free and see what if anything is being reported on you by NCO. They may have been telling you that if you don’t pay them they will report you to Equifax. It may be some old debt that is more than 7 years old. If this is the case, don’t bother to send them any money. Debt that is more than 7years old can’t go on your credit report. They may try to coax you with a payment plan or some small “good faith” payment. Don’t do this either, it will start the statute of limitations over and then this will allow them to report it again, so be cognizant of this. Equifax doesn’t allow others much less NCO to use their name. As far as your final question goes, this is just how they verify your identity when you get your free report. If you didn’t open, or refinance a mortgage in 2004 just say you never had one, or none of the companies,
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