I had some bad debt from the 1990, and NCO kept buying it from other financial. How can I get this off my record?
First off, NEVER, NEVER, NEVER acknowledge the debt. If you do, the statute of limitations on the debt starts fresh -- It's as if the debt occurred today.
Second, you should deny the debt. Tell NCO to provide clear and convincing proof of the debt including an authentic copy of the original contract. If the debt is a revolving debt (i.e., credit card type), then demand an authentic copy of the last five monetary transactions showing details of the proof of sale.
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