 NCO Financial
Im new to this and I was going to go ahead and start the steps, sign up for paid credit reports, dispute info, send pay for delete letters and all that jazz on wednesday, but I got an offer from NCO Financial to settle for 50%--the medical debt is only 232.00 (from college). anyways I called them and I was very careful not to say that I owed the debt but that I either wanted verification of the debt or I wanted it removed from my report if I pay it in full and they would not give it to me. I asked them to send me a letter stating what I needed to pay and how it would affect my credit report and they would not do that. They also asked me for my phone number which I told them NO they can communicate with me through mail. Anyways, they kept asking me for my checking account or credit card number, so I ended up letting them know that I would dispute with my CRA and hung up.
Anyways, whats the next move for me? Should I just start with the steps, or try and take advantage of this offer to settle and dispute later, or do I send a check with a restrictive endorsement, or follow the HIPAA method (which I really don't understand) or do something else?
on a side note, I only owe 2600 dollars-nearly all of it is from medical bills from in accident I had in college and didn't have the funds to pay for, but now I have the money to pay for them and I don't mind paying it, I just want my credit score to go up. Hubby and I want to buy a house in 2 years or so.
THanks for any advice you can give me!
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