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NCO and asset search?
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Posted by julie
(24.24.68.40) on April 17, 2004 at 07:32:04:
NCO called a week ago and said they are doing an asset search. Charge-off is Discover on 1/04-they reneaged on a hardship program I was on. Interestingly enough-the guy from NCO said I own a house worth $159,000 according to a mortgage. I told him that is not true. He said he would call the mortgage compnay to check. I said fine, cause I don't own it. He never called back.
I did own a house w/ a mortgage of $59,000(see the 100,000mistake)but I quit claimed on it which obviously doesn't show up in a credit report since my name is still on the mortgage. I wasn't telling him that because if they want to take me to court, let them look like an idiot trying to get someone else's property that doesn't belong to me.(I have the papers proving it doesn't belong to me anymore)I co-own a house with my fiance but since we're not married, its not community property, and we've only owned it 1.5years. I know they won't go after this house. Other than that, I have nothing. My cars are paid for and each 10years old. They are 'asset fishing' in an empty pond. Does anyone know how I can get a free copy of my credit reports. I feel I need to see what they are seeing.
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