I enjoy a crazy giant percent apr for my stupid credit card?
Question:
my credit card has interest rate of 20%; i will be contained by so much debt if i dont pay wager on everything, however i dont have satisfactory money. is there a channel to pay pay for most of it and pay the rest subsequent month without paying interest?
Answer:
yes.
If you hold half this month and will enjoy half subsequent month, apply for another card and request a balance verbs.
If you are approved the transfer will be similar to a payment so the entire amount will be remunerated off on this credit card. Then the amount that be transfered will be the balance of the strange account. you income that off subsequent month
now be sure to find a card that have FREE balance transfers
for this to work
depending on how right your credit is and how much you've paid already, you can phone up them and ask for them to lower your interest rate.
Get a second job.
most card companies require the set off paid contained by full before on or by the due date to avoid nouns charges. however by paying the balance down- your nouns charges the next month will be smaller number. if you still want a credit card find one that offers 0% on symmetry transfers, and a better rate after the promotion period.
Even beside a 20% interest rate on a balance of 10,000 that would with the sole purpose equal $250 in interest if you didn't income the whole be a foil for off this month. I doubt you charged $10,000 so chill, reward what you can this month and pay the rest + interest subsequent month, this will actually restore your credit so you can get a better interest rate within the future.
they style my dad did it was reasonably simple. Find a credit card or a bank that will donate you a lower apr. open an explanation with them and verbs the balance. With the fresh APR, you will have longer to settle up off the go together with the lower apr. Also, have a few accounts open and payed rotten will help your credit gain. Just do a little looking around and checking beside a few places. Its not to hard. My dad took control of 15k debt surrounded by 2 years with almost no interest accrue. Good luck.
Most of the answers above are good, but the credit companies seem to be to have stopped offering free go together transfers. Most seem to be asking for going on for 5% of the transfered amount, which would be like paying your 20% APR on the full amount for 3 months or on a diminishing balance for roughly 6 months. Paying off the present card over 5 months will cost you smaller quantity than transfering the balance to a 0% card next to a 5% transfer charge.
My ex file for ruin - going away me next to the debt collectors?
Question:
I am now reasonably divorced, but when we separated, I did not cover my a@# financially. My dad was diagnosed beside colon cancer, so I was not concentrating on the separation and moved out with my 2 kids to be next to my family. Before I could overthrow anything, he overdrew our joint hill account and the coup¨¦ in his possession be repo'ed, but both our names be on the loan. All of this is stated on the divorce decree, but that doesn't protect me from the creditors. Anyway, very soon he has file for bankruptcy. So I am afraid the creditors are going to come after me. Should I record bankruptcy too? I embargo to pay for debts that be his alone, plus I can't afford it. Any suggestions?
Answer:
You may want to consult an attorney about file your own bankruptcy.
Another prospect you have if your ex file for bankruptcy in the last 90 days, you may express doubts to him discharging any liability against him. That would allow you to collect damages from him.
His portion that he was charged to retribution through the divorce decree will be discharged and you will still hold to pay your partially unless you file bk too. Most populace would have file the bk and divorce at the same time. Both ruin your credit.
yea this is why prenups are the rule. and why the best bankruptcy bracket comes from divorces.
Credit counseling first (and they will probably convey you to file) but you are screwed sorry hun.
Wow! This is a "hot mess".
If you "refuse" to pay for your ex-husband's sports car that was repo'ed, afterwards I guess bankruptcy is an picking.
Just remember that bankruptcy is a moment ago like cracking a mirror -- you can anticipate seven years of fruitless luck.
Bankruptcy is not for the faint of heart and you own to attend credit counseling courses AND have the closing three years of your taxes filed back the judge will even hear your baggage.
The bankruptcy law have changed and it isn't the cakewalk it used to be.
If you can't afford to repay his debts now, it would be EVEN HARDER to dig up credit once you file for ruin. You're damaged merchandise at that point and creditors will treat you as such.
On a more personal note, it is incumbent on you to be a better "picker" of men because your ex sounds VERY trifling. And you can't AFFORD trifling men within your life.
The with the sole purpose thing I can see you doing is suing him and proving that he possess the items within question and incurred the debt on his own.
Bankruptcy is your best resort. Most people record for both divorce and bankruptcy at like time. I know my ex-wife and I did and it was flowing.
With the new ruin laws you might be forced into a chapter 13 main source of income instead of a chapter 7. If you make ample money? See a lawyer. You will be forced into chapter 13 and will own to pay the money anyway. Consult a attorney fast and find out if you qualify for chapter 7.
It's impossible to recommend anything lacking going over your current financial situation and the divorce paperwork.
Most Bankruptcy attorneys will give you a free consultation...you necessitate to do that.
take him to court and take home him pay for the bills that he not here in his moniker and be sure you put him on child surport
You should definitely discuss to the lawyer that handle the divorce for you. I don't see this getting resolved any other way. You're right to assume the creditors will turn to you to try and seize money. When he list his creditors, they will be notify that there is a Bankruptcy individual filed by him and they will be probing for ways around it.
im still 13..
i noe nuhtin bout bankruptcy..
i stil hav eit honest..
hope u do...
hope everytings work put 4 ya ! ;)
What is the difference between secured and prepaid credit cards?
Question:
Which is better? Which charges less surrounded by fees? Do they both report to the credit bureaus to help modernize credit?Any idea what is the best company to step with? I am looking for something that my teen can use but also relief to rebuild my credit.
Answer:
Here's the difference between prepaid and secured cards.
Prepaid- You spend what you nouns onto the card.
Secured- The security deposit determines your credit procession, you pay spinal column what you spend, just resembling a regular credit card.
Usually, all secured cards reports to adjectives 3 bureaus, while not all prepaid cards report. AccountNow (http://www.accountnow.net/#) is the lone one that builds credit by reporting online bill payments to PRBC, (http://prbc.com/default.php?) a consumer reporting agency
Generally, secured cards will have smaller amount fees. The difference is, with a pre remunerated card you pay a dependable amount up front, and then use it up on the card. With a secured card, you "secure" a unquestionable amount of money and then use the card. However, you can still use it revolving until you request that the money be released. Both build credit. Check your local small sandbank or credit union, who are usually prepared to work with population with smaller number than perfect credit. (Often you'll find prepaid cards that come next to lots of hidden fees and things of the sort. I'd try secured)
Secured cards report to the credit bureaus and help rebuild credit. Prepaid cards do not.
NO prepaid cards will report to your credit-- its resembling buying a gift card. A secured card DOES report to your credit. If you payment the card off and dissolve once you qualify for better cards, you get a reimbursement of the amount you put down to secure the card.
secured credit card
This type of credit card is related to a bank story, allowing a credit card company to deduct settlement if the cardholder fails to salary. To obtain a secured card, a consumer must deposit an amount of money equal to the credit restrict of the card into a bank depiction. This account is separate from any other accounts the consumer may hold.
prepaid credit card:
A prepaid debit card is a great solution for a lot of citizens because the money you spend is your own and in most cases you cannot spend over the amount you enjoy in your article.
This is a good solution for folks who may have have difficulties with debt or ruin in times gone by because a prepaid debit card is a great tool for developing invaluable financial management and budgeting skills. Read more abote it at: http://www.card-gallery.com/article/62,h...
What is a apt credit card mark?
Question:
Answer:
800 or more
A good credit chalk up is between 700 & 800.
You are entitled to one free report per calendar year at
annualcreditreport.com.
Freecreditreport.com is a scam that ends up charging you $9.95 per month if you get held up in it. Be wise
While taking a decision on your loan approval, your lender will determine your credit gain. The most common scoring method used is FICO score. These ratings are usually used for determining your eligibility for mortgages.
unsecured credit card next to instant approval?
Question:
Answer:
http://reward660.com
Not sure what you are trying to ask, but well, yes, credit cards are unsecured loans given to individuals.
The sandbank of issuance of the credit card would just require your photocopy identity card and i believe your earnings statement for the previous 3 months. If you already have a credit card surrounded by hand for at lowest a year, they might just photocopy your identity card along near your existing credit card.
The reason why they can provide instant approval is that they will carry out a quick checking beside the banks combined database. And if you're not defaulting surrounded by huge debts, viola, u get your credit card.
Try NoWorryCredit.com: http://www.tkqlhce.com/click-2184795-104...
Maybe that's the product you're looking for
What is the difference between secured and prepaid credit cards?
Question:
Which is better? Which charges less contained by fees? Do they both report to the credit bureaus to help do from scratch credit?Any idea what is the best company to stir with? I am looking for something that my teen can use but also minister to to rebuild my credit.
Answer:
Here's the difference between prepaid and secured cards.
Prepaid- You spend what you nouns onto the card.
Secured- The security deposit determines your credit chain, you pay rear what you spend, just resembling a regular credit card.
Usually, all secured cards reports to adjectives 3 bureaus, while not all prepaid cards report. AccountNow (http://www.accountnow.net/#) is the lone one that builds credit by reporting online bill payments to PRBC, (http://prbc.com/default.php?) a consumer reporting agency
secure card will lend a hand rebuild your credit but have fees. a prepaid card is just as it sounds and is alike as a refillable gift card.
a prepaid credit card is no more than a debit card tons car rental companies don't adopt them although you can use it to purchase over the Internet or in stores A secured credit card functions as a legitimate credit card as long as money is in your portrayal ..New millenium is a great company for a secured credit card they also report to all three credit agencys theyre fees are defensible
Secured cards help re-built or built your credit because they report to the credit bureaus. Besides the secured card you produce an initial deposit (usually between $200 and $350) and that's the amount of credit limit you will come by. You have to payment every month to keep that match. With the prepaid card, as the name say you pre-pay it, as when you buy phone cards.
a secured credit card is a card you have secured near money attached to it AND the company you have it beside reports the activity on your card to the credit bureaus. i suggest approaching a credit grouping since they typically have the lowest fees, rates, and easiest structure. Make sure that the credit league reports these account monthly to the credit bureaus. sometimes since they are smaller they do not. Banks (such as Bank of america or Capital one) charge more but tender they same service.
I am moving to the UK from Canada and am going to depart from a 10,000 loan what may surface?
Question:
My loan is with Citi Finanial, I want to clear it off but for the first 3 to 6 months I will have need of to get settled and capture a good errand. I want to know if, the credit from canada will pull on a report surrounded by th UK and also when I come back to canada to renew my passport if I will own problems. I want to get my perm res surrounded by the UK. Thank you for your advice and familiarity.
Answer:
Your financial history will have nought to do with your immigration status. Citibank won't even know that u are contained by UK. I would forget it... they would never be able to find you! In a few years you can settle and reward them $5000!
When you go to UK, you will still be required to bring in payments for the loan, otherwise, the creditors will ask their local UK offices to track you down for the payments.
I know someone who tried to do something approaching you did and was still tracked down to the place they run away to. It almost become an InterPol case because it seem like the being borrowed cash afterwards left the country directly in proclaim to evade payments. Meaning they fraudulently lied in the application that they would wages the loan, even when the person know that he was taking the loan, after leaving the country for perfect in a few weeks.
Why is the acerbic examination ratio a more accurate method of the condition of a firm than the current ratio?
Question:
Answer:
Because the acid audition or quick ratio merely measures items in current assets which can be turned into currency quickly.
These include dune accounts (ie cash) debtors, and liquid investments.
The difference between this and the current ratio is that the CR includes stock contained by the calculation.
Of course stock may require some time to turn into dosh so that is why the sour test is see as more indicative of a company's solvency position.
The ideal sharp test ratio is 1:1
whereas the great CR is 2:1
Where 1 is the total amount of your current liabilities eg
edge overdraft
trade creditors
short term hire agreements
VAT and other taxes
Why is it when you pay cheque sour a collection information to be precise a "BAD" piece on your credit!?
Question:
I hope someone can explain why paying on a debt makes your credit appear worse. I dont comprehend. If you were surrounded by the situation would you pay them or not... I started paying several medical bills surrounded by collection already. Is it too late to volunteer the option of donation for deletion? Any answers greatly appreciated. All my deliquents bills are medical bill due to 2 back surgeries during a interval that I was inept to work and it was not w/c related so I get the royal u know what! Please help.
Answer:
A salaried negative is still a distrustful - no one get good grades for it showing as a paid unenthusiastic. Also, by paying, it updates the account making it look newer than it in actual fact is (updating is not re-aging)
It's never to late to request deletion. Though they won't delete until the report is paid bad.
It does make it a bit harder to request settle for delete when a person have already been making payments, but it isn't impossible.
It's even harder after the portrayal is paid stale since a person have no leverage.
You might also check your reports to see if they are reporting accurately. If they are reporting inaccurately, you have a permitted right to dispute it.
There are many ways they can report inaccurately. For medical accounts, they cannot show medical information on your reports.
You might click on my profile and do some reading contained by the links I have scheduled for the FCRA, FDCPA, etc.
It's not that paying the bill makes it worse. It really boils down to the certainty that, for whatever principle (they DON'T care sadly :( ) you had a bill sent to collection within the first place.
Up to a certain point, a perceive of collection does not necesarily reflect weakly. If you apply for a line of credit or a cell phone or some other buzz that requires a credit check, often times you will hold someone call you and ask you nearly the claims on your record. Although unlikely, some "claims" against you can be explained away (an example be a bill I had for cell call I did not make -- the company I be buying a computer from accepted my answer, and the cell phone company EVENTUALLY have the claim against me expunged). However, when you begin to settle up off a debt, it is an acknowledgment of guilt so to speak. You (in their eyes) messed up, and there is no query about it.
The accurate news is, when you finish paying bad the debt, it will be erased after a certain interval of time (depending on your state or province). Either way, a fully rewarded collection claim is not as bad looking as a somewhat paid one, or one that you haven't started to remuneration and can't explain away.
Hope this helps!
It's not. All it does is show hum on it and until you finish paying it off it's going to be busy. Then it will take a few months for it to clear. Don't verbs too much though. People (looking at your credit) will see that you paid it...eventually. And an unpaid medical bill certainly doesn't hurt your credit as much as you think. Yes, it's fruitless for your score but creditors look at more than a short time ago that. Almost everyone has unpaid medical bills (I'm not axiom not to pay it though). As long as you are angelic about paying utility bills and credit cards you should be upright. There's a lot to credit and it isn't fair-minded at all (even though they hold the "fair credit bullshi...I show Fair Credit Act") but don't worry. As long as you are supervision full you can repair/keep your credit in a positive bearing.
It is simple , if you pay it your admit that you could not make stipend. If you leave it unpaid here is a question of is this debt yours or not .thats how lenders look at it . If you rewarded the debt already , dispute it and it will be removed , all you enjoy to say is debt contained by inaccurate please remove .Since the debt is salaried the creditor will probably not even waste their time contained by to verify.
How to net the best use of credit cards?
Question:
Answer:
Credit cards are a great source of availing credit to meet your requirements. But they can front to a debt trap from which you will find it difficult to come out. Hence you need to save a close watch on your credit card expenses minutely
Cut them up! Seriously.
If you are an hand then never use them unless you are fired.
1. Pay bad your balance respectively month.
2. Find a Card with polite reward system - cash final, reward point, miles...
3. You your credit card to keep track of your spending. Credit card see you to download your statement to Ms. Money, Quicken...
This article will give you meaningful information. It's titled "Use Your Credit Card Sensibly". The link is below
I totally agree beside Bohboh that the best use of credit cards is to pay rotten your balance every month and after reap the rewards. However, I'll go one further and enlighten you how to find the rewards card(s) that will *maximize* your rewards.
Check out the rewards calculator at http://www.creditcardtuneup.com/... . It will calculate the dollar plus of the rewards you'll earn with respectively card for your particular spending profile. It'll even figure the best 2-card combination, 3-card combination, etc. for you.
i enjoy doomed to failure credit because i am surrounded by credit counseling but almost finished. I inevitability a loan in a minute. Any suggestions?
Question:
I need a lofty risk loan but when i apply i get turned down. my credit mark is not that low about 600 so why do i hold on to getting rejected. i need a lender that lend to people contained by credit counseling. Help?
Answer:
there you stir : http://index-go.com/bad-credit-finance-m...
I have hear that you have to step through the credit counseling people to obtain their permission for a loan. I hear they put a flag on you when you go to apply for a loan , relating them not to lend you any money.
I went online and sourced my loan. There undressed plenty of sites that can meet your requests. Maybe you should try it this way.
This site wil provide you most useful information going on for loans visit http://www.freewebs.com/getyourloan...
Talk to your credit counselor. One of the lingo you signed on your contract was that you would not apply for credit lacking approval. If they agree you need a loan, they can give a hand you find a lender. If they don't agree, maybe you should realize it be loans and credit that brought you there within the first place.
Try using one of these companies to help revolutionize your credit score. You enjoy to pay, but if you are have trouble it's well worth the money within interest savings. Good luck!
http://www.kqzyfj.com/click-1886335-1039...
http://www.tkqlhce.com/click-1886335-104...
There are plenty of places where on earth you can apply for a loan. One of them is 123OnlineCash : http://www.kqzyfj.com/click-2184795-4049...
They will match you beside the best cash finance lender and your money will be wired to your account as untimely as the next business sunshine.
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Bad credit is one of the worst problems to have... however here exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I have to do it again I would pay to some minor details,
if someone requirements to get out of debt today it is pretty unproblematic with a debt consolidation plan, however it may capture a bit tricky at times, I suggest you get as much information as possible online on this first,
a perfect place to start in my humble inference is astraight to the point ebook with quiz and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it helps gently remember me in your voting!.. cheers!
How long will we own a doomed to failure credit ranking?
Question:
We tried to buy a house about a year ago, but couldn't because of our bleak credit. We followed instructions given to us through a credit counselor, but haven't seen any transformation in our mark. In fact, it's in a minute worse now than it be when we started looking, (they said the inquiries by lenders did that). Over the past year, we own paid stale a couple debts, put a truck loan in my husbands christen and been paying prompt, and everything else we pay is in good time. We were hoping to know how to buy our home this October, but it's still bad. I connote, we're starting to think we should only just quit trying for a house. Any experience with this? How long will we hold to wait? We be told we could probably get into a house beside a downpayment, but we don't have terribly much.
Answer:
I agree, sounds like your credit counselor isn't helping much. Are you surrounded by a repayment plan with them? Those truly hurt your credit sometimes, since they often single partially pay envelope certain debts for a while. Inquiries shouldn't own that much impact, 5-20 points?
Do a search for housing nouns agency in your state. They can comfort you to some degree, at lowest possible with finding virtuous lenders who work with their grant and subsidies. Talk to one of their sponsoring banks and ask just about FHA financing. It only take a 3% downpayment, which the housing agency might grant you the money for. Good rates, unproblematic credit qualifying. If your credit isn't obedient enough today, they should be capable of tell you how to return with it better that actually will work.
With FHA, there's no minimum credit evaluation. In most cases, 12 months of clean credit history is dutiful enough to achieve a great fixed-rate loan.
Credit counslers are bad , do it your self verbs your credit and dispute alot of the items even if their yours , say they are wrong you can remove alot of them by doing this . transfer adjectives your credit cards to one , then disappear the other cards open next to low balances
Negative items stay on your report for Seven years from the date they are added.
I know that sounds similar to forever, but in the be set to time, keep paying on any cards you hold, pay stale that truck and eventually you will be in flawless shape. Also get that free credit report respectively year and see where you are. It doesn't endow with you a score, but will show where on earth you are as far as paying off your cards.
I go through this 16 years ago and now am a beaming home owner myself.
Good luck.
Don't use a credit counselor. They just craft things worse. If you have any impossible marks on your credit report they will stay here for 7 years. The more time that passes the smaller quantity it will count towards your credit score. You want to limit the number a query on your credit report. If you have more than 2 credit cards, receive rid of them. Make sure you are using less than partially of your credit lines. Dispute all cynical information on your credit report. If the company that put it there doesn't respond or show foundation for it being near within 30 days it must be removed. Do this several times and nearby could be a good break of getting something removed. Then just variety sure you're paying at least twice the minimum sum and your score should fire up to go up.
7 years
Missourians notify me!! What is the best dune to use and why?
Question:
Answer:
I don't have anyone specific edge in mind but I believe any Credit Union is going to be your best hill. When you join a credit grouping, you become a member and own a "share" contained by the bank. The edge is run by it's members.
I also cogitate that credit unions grant you better customer service as well as they almost other have better rates.
I own both personal and business accounts at several different banks. I enjoy been forunate ample to have found a few fantastic credit union across the nation. Yes, I am a member of a couple here surrounded by Missouri but there are some federal credit union across the US that quite simply can tender you more than some small local CU.
Take your time searching for a wall. Decide what your needs are and what services the dune you're considering offers not merely short term but long possession needs as powerfully.
anywhere to receive autoloan near doomed to failure credit 588?
Question:
Answer:
You could try roadloans.com : http://www.jdoqocy.com/click-2184795-974...
Good luck
Try a local credit union. 588 isn't so unpromising they wouldn't talk to you. They might even show you how to lift up your scores.
Most dealerships can nouns someone with a 588 win, but you'll pay interest rates from 12-22%. A credit confederation would probably be 9% or less, even next to your scores.
Americredit, all-inclusive underwriters are the only two that i can deem of at the present. The rates are high. but if you stipulation a car you have need of a car. mind your Ps and Qs of on line credit apps you don't hold to worry in the region of identity theft but the rates on file can be way better that you have to earnings. you can find a loan around 15%-21%. Check with your local teacher credit union. In accumulation, larger car dealer will have lots that trade car to individuals with poor credit. Be exceptionally careful here. that later thing you requirement is to buy a car to be precise not going to last you. Try to win pre-approved for the loan first. then find a cheep vehicle with low miles. even if you don't resembling the car if it is reliable and you drive it for a few years and trademark the payments on time you will walk along way to on the way your credit.
Its not that bad of a chalk up. You will be able to catch a loan, but you will probably pay between 13-18% interest. Go to lendingtree.com and stuff out the app. You will get 3-4 choices of culture who will lend you the money
Try Capital One Blank Check loan program. You can apply online, and you'll receive an answer in an in the order of an hour or sooner. AND if approved no money down, shop like a bread buyer. Check it out...very smooth process.
Try www.drivefinancial.com i think as long as you spawn a certain amount of money per month they will nouns you, and you have to own been on your duty at least a year.
they financed me and my credit gain has jump up 55 points in the finishing year.
I didnt have horrible credit but it be very hot. Bought a 99 Corolla for about 7 dignified 3 years ago on 17% interest. Pretty high, but so far my credit win has shot up around 200 points or more. Getting a car and making the payments prompt is probably IMO one of the best things you can do for your credit.
Maybe you can try below website to get the information you call for
bad credit loans This site wil grant you most useful information according to your request call on http://www.freewebs.com/getyourloan...
Bad credit is one of the worst problems to have... however nearby exists a solution.
I will hereby talk from my personal experience.
I did debt consolidation a couple of years ago, however If I have to do it again I would pay to some minor details,
if someone requirements to get out of debt today it is pretty straightforward with a debt consolidation plan, however it may attain a bit tricky at times, I suggest you get as much information as possible online on this first,
a apposite place to start in my humble judgment is astraight to the point ebook with give somebody the third degree and answer I found :
http://umgarticles.atspace.com/debt-cons...
if it helps liberally remember me in your voting!.. cheers!
NCO Sending Collection memorandum Again?
Question:
I disputed and sent a debt validation letter to NCO (2) Two years ago. I lately (3/19/07) got a collection communication from them,
Stating or asking for settlement on a charged off statement with citibank. Since (08) 2005 I own not seen this collection on any of my credit reports. I hold ordered two of the reports.
Do you think after two years they can put this information subsidise on my credit files?
Any advice is appreciated.
Answer:
If you have sent the debt validation letter inside the first 30 days after receiving their first note (two years ago) and they have slipshod to validate/validate properly then they cannot verbs to collect until they validate. That includes reporting on your credit reports, sending dun parcels or suing.
IF you had sent the debt validation reminder in a timely behaviour and they have former to validate, they are violate by sending you that collection letter. It is an actionable offense for up to $1000.00 if you prefer to persue it.
If they had sent something that they "claim" is validation and you one-time to follow up telling them it wasn't proper validation, you would enjoy a tougher time persuing any action against them.
A collection agency can re-insert a tradeline if the tradeline be removed because of a dispute filed near the CRA's.
A collection agency cannot re-insert a tradeline if they had removed it on their own and no dispute be filed next to the CRA's.
BUT, if the account is re-inserted you must be notify of it first.
If the collection agency had not provided validation on your timely debt validation request - they cannot re-insert the tradeline.
Much of what you should do depends on if you have sent the debt validation letter within a timely manner, if they have properly validated or not, if you are still inwardly the collecting SOL or not. (validation must come from the original creditor through the collection agency)
Without knowing more specifics, I'll merely list some things that you could do:
You could convey them a second debt validation and point out that they had bungled to validate/failed to validate properly.
You could record complaints with the BBB, FTC, yours and their AG's.
If you are out of SOL you could transport a SOL letter relating them the debt is no longer legally collectible and to help yourself to a hike.
You could transport them an intent to sue letter and constraint payment for their despoliation or you will sue (do not use this lightly, individual use it if you will follow-up with a suit !! )
You might click on my profile and click on some of the links tabled - to the FCRA, FDCPA, etc., etc. There is also a link where on earth you can find the collecting SOL for your state - credit cards are open accounts.
Once removed they can not , you can write a message to nco asking them to stop sending you letters or you will contact the attorney generals organization and file a complaint , they will stop hastily
why don't you contact NCO and ask them what's up?