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How To Remove FCO Collections From Your Credit Report

If you’ve received calls or letters from FCO Collections or noticed the name on your credit report, you probably have questions.

Collections agencies like FCO may show up on your report when you forget to pay a bill or fall behind on your payments.

While you’re probably eager to stop their repetitive phone calls, don’t make a payment just yet.

Before you get in touch with the agency, take a look at the guide below.

About FCO Collections

Fair Collections & Outsourcing Inc. is a legitimate debt collection agency that has been in business for more than 35 years.

Based in Baltimore, Maryland, the agency collects specifically on housing debts, like outstanding rent payments.

Namely, they specialize in:

  • Commercial property collections
  • Military housing
  • Senior/ assisted living
  • Student accounts
  • Student housing

If you are overwhelmed by dealing with negative entries on your credit report,
we suggest you ask a professional credit repair company for help.

Ask Lex Law for Help

How FCO Collections Works

If you miss a payment, your landlord, cable provider, lender, or bank will contact you repeatedly to seek repayment.

Unless you settle your account, it will eventually enter collections.

Collections stage debt has more severe consequences on your credit, lowering your score and staying on your report for 7 years.

While some companies have their own collections team, most outsource to agencies like FCO, who either buy your debt for pennies on the dollar or earn a fee for collecting debts for businesses.

In either case, they may hound you with phone calls, messages, and letters.

How to Deal with FCO Collections

Debt collectors are notorious for their pushy collection attempts, faulty reporting, and poor responses to debt validation requests.

You can gauge the consensus surrounding an agency by looking at the Better Business Bureau and the Consumer Financial Protection Bureau.

While you’re researching, take the time to educate yourself on the Fair Debt Collection Practices Act, a law made to protect you from shady and threatening collection attempts.

It also has provisions to help ensure accurate reporting, which we’ll cover below.

One of the many benefits of this law is the ability to set the terms of your correspondence. It is always wisest to chat with debt collectors via mail rather than by phone.

It gives you the evidence you need for your case to run smoothly, not to mention stopping the agency’s incessant calls.

3 Ways to Remove FCO Collections from Your Credit Report

You can do more than silence your phone when FCO calls.

If you’re ready to get the collection account off your credit report for good, use one of the strategies below:

1. Submit a Debt Validation Letter

Has it been less than 30 days since FCO first appeared on your credit report? If so, you are entitled to debt validation.

Just send in a debt validation letter using a free online sample and enter your information.

The agency will be required to furnish evidence that the debt exists and does indeed belong to you. This strategy could easily clear up mixups or catch an identity thief.

If they can’t prove the debt is yours with documentation that adds up, they’ll have to remove the entry from your credit report.

More good news? It might work, even if you owe FCO money.

Since collection agencies aren’t the originators of debts, they don’t always retain the evidence they need to pursue repayment.

That means you should try debt validation whether you owe money to the agency or think they’re on your report by mistake.

2. Arrange a Payment to FCO

Debt validation isn’t foolproof.

Whether you’re too late to try or the agency validated your debt, the next strategy to try is arranging a pay-for-delete agreement.

This is where you pay FCO to have their entry deleted from your credit report.

Once again, you should send the agency a letter explaining the situation and negotiating an amount. Try somewhere between 30 to 50% to start haggling.

You could walk away with less debt than you had and have a guarantee that the collections entry on your report will get deleted.

Once you submit your payment, your credit score should change pretty quickly. Sign up for free credit monitoring to follow along.

3. Hire a Credit Repair Agency to Remove FCO Collections from Your Credit Report

Can you get FCO off your report on your own? 100%, but you don’t have to go it alone. A credit repair company could be just what you need.

They’ll tackle all the time-consuming and stressful parts of repairing your score.

They can also walk through other significant credit issues, like:

  • Bankruptcy
  • Liens
  • Judgments
  • Hard inquiries
  • Identity fraud
  • Foreclosures
  • Repossessions

They’ll take a close look at your score to see what’s hurting it the most and get it back on track.

Get in touch with one of the best credit repair companies today to start improving your credit now.

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