These guys never take anything off your credit on time. Ive been waiting months, and thats after they kept saying I owed 70..then id pay 70, and it would say I owed 70 again. It wasnt until I called the actual business I dealt with, and they turned around and told me they owed me a credit. I have not owed money to that company, for a year, and NCO STILL will NOT take it of my credit report. Now, we cant find phone numbers for these pieces of dirt.