Still Collecting and Not On My Credit Report Anymore

by James
(Cleburne TX)

NCO Financial is not even on my credit report anymore and they are still calling attempting to collect.

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Apr 03, 2016
Do I have to pay debt not on my credit report?
by: Anonymous

I live in North Carolina. I have been paying NCO for about two years. They are not listed on my credit report. Do I have grounds to discontinue payment?

Reply from

Credit reporting is a voluntary system. The fact that this debt does not appear on your credit reports doesn't affect whether you legally owe the debt.

Mar 21, 2011
Old debt no longer on credit report


According to our sources, the statute of limitations for most consumer debts in Texas is four years. (We are not attorneys, however, and cannot give you legal advice. You'll want to check with a consumer law attorney or your state attorney general's office.)

If you believe this debt is too old then you can send the debt collector a letter asking them not to contact you again. Send it via certified mail, return receipt. Once they receive your letter, they cannot contact you again except to take legal action. But if you've correctly pointed out that the debt is too old, it's unlikely they would pursue it in court. You can learn more about sending a cease and desist letter to stop a debt collector here.

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