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Home Debt Collection Agencies Fair Collections & Outsourcing

How to Remove Fair Collections & Outsourcing, Inc. (FCO) from Your Credit Report

Credit report showing Fair Collections & Outsourcing collection account

At a glance

  • Fair Collections & Outsourcing, Inc. is a rental debt collection agency based in Maryland.
  • We'll discuss what they do, what your rights are, and how to get them off your credit report.
  • Fair Collections & Outsourcing is likely hurting your credit score.

Get expert help. Call now to remove FCO from your credit report.

Call (855) 764-0034 Tap to Call

Specialists available Monday to Friday, 10AM - 8PM EST.

Written by FinanceJar Team

Sep 19, 2022

Fresh advice you can trust

We promise to always deliver the best financial advice that we can. Our writers and editors follow strict editorial standards and operate independently from our advertisers and affiliates. Learn more about how we make money.

Debt collectors can be pushy and intimidating, and if you’re getting calls or letters from Fair Collections & Outsourcing, Inc., you’re probably wondering who they are and what right they have to ask you for money.

To protect your finances, credit, and rights, it’s important that you read up on who Fair Collections & Outsourcing is, what debts they collect, and what they can (and can’t) do.

Table of Contents

  1. What is Fair Collections & Outsourcing?
  2. What types of debt does Fair Collections & Outsourcing collect?
  3. Is Fair Collections & Outsourcing a legitimate company?
  4. How to deal with FCO

What is Fair Collections & Outsourcing?

Fair Collections & Outsourcing (FCO) is a debt collection agency based in Beltsville, MD, and they were founded in 1984. FCO used to be part of Pierce Hamilton & Stern before they split into two separate companies: Fair Collections & Outsourcing and Hunter Warfield. 1

Their parent company, FCO Holding, Inc., has two other subsidiaries operating alongside Fair Collections & Outsourcing: Fair Collections & Outsourcing of New England, Inc., and FCO Worldwide, Inc. 2

As a third-party debt collection agency, FCO provides the following services: 3

  • Call center operations
  • Data analysis and processing
  • Reporting to all three credit bureaus
  • Payment processing

Other names for Fair Collections & Outsourcing

Fair Collections & Outsourcing, Inc. may also appear under the following names: 1

  • FCO
  • Pierce Hamilton & Stern Inc.
  • Fair Credit Outsourcing

What types of debt does Fair Collections & Outsourcing collect?

Fair Collections & Outsourcing, Inc. is a rental debt collection agency, meaning that they collect tenancy-related debts on behalf of landlords and property managers. 4

Below are examples of common residential debts:

  • Overdue rent
  • Repair fees for property damage
  • Cost of missing furnishings or equipment
  • Unpaid bills

In addition to pursuing payments from consumers, they also go after small businesses and corporations that owe rental debts. 4

Is Fair Collections & Outsourcing a legitimate company?

Yes, Fair Collections & Outsourcing, Inc. is a legit debt collection agency. However, even legitimate debt collectors can be found guilty of violating consumer rights.

It’s also worth bearing in mind that anyone (including scammers) can claim to be a debt collector—and they may even use the name of a legitimate organization to trick you into paying them.

Never give personal information or send payments to anyone claiming to be a debt collector before you’ve verified that they’re legit and that you actually owe them money. The best way to verify your debt is to contact FCO directly (contact details are provided below).

Lawsuits against Fair Collections & Outsourcing

FCO has gotten itself into serious legal trouble for violating debt protection laws and taking advantage of consumers.

For example, following a complaint filed by the Consumer Financial Protection Bureau (CFPB), federal courts forced FCO to pay an $850,000 civil money penalty in October 2021 for failing to properly verify the accuracy of debts before having them added to consumer credit reports. 2

FCO was also sued by the Washington D.C. attorney general for violating consumer protection laws at the district level. 5

These high-profile legal cases point to FCO’s troubled history when it comes to abiding by debt collection laws. This makes it all the more important that you arm yourself with knowledge about your legal rights to prevent Fair Collections & Outsourcing from taking advantage of you.

Fair Collections & Outsourcing, Inc. (FCO) Contact Information

If you want to remove Fair Collections & Outsourcing from your credit report, write to their address:

fair collections and outsourcing

Address: 12304 Baltimore Ave., Ste #E
Beltsville, MD 20705
Phone Number: (877) 324-7959 or (877) 324-7265
Website: www.fco.com

Disputing an incorrect entry on your credit report can be stressful and difficult. Consider working with a professional.

How to deal with FCO

Ready to take control of your debt with FCO? Choose the methods you want to attempt below.

Dispute Collections

If the debt is inaccurate, learn how to
remove the collection from your
credit report
.

Stop Harassment

If your rights are being violated,
learn how to fight back using protections
under federal law.

Verify Debt

If you're not certain the debt is yours,
request more information (and
temporarily stop collection efforts).

Pay Debt Collector

If you're ready to pay up, learn how to
do it in a way that keeps you on better
financial footing.

 

Other Collection Agencies

  • Executive Credit Management
  • Express Collections
  • Express Recovery Services
  • F&R Recovery
  • F.H. Cann & Associates
  • FAST Collections
  • FBCS
  • Fairway Collections
  • Fidelity Collections
  • Financial Credit Network

Article Sources

  1. Better Business Bureau. "Fair Collections & Outsourcings, Inc." Retrieved September 20, 2022.
  2. Consumer Financial Protection Bureau. "FCO Holding, Inc., Fair Collections & Outsourcing, Inc., Fair Collections & Outsourcing of New England, Inc., FCO Worldwide, Inc., and Michael E. Sobota" Retrieved September 20, 2022.
  3. Fair Collections & Outsourcings, Inc.. "Services" Retrieved September 20, 2022.
  4. Fair Collections & Outsourcings, Inc.. "Home" Retrieved September 20, 2022.
  5. Office of the Attorney General for the District of Columbia. "Attorney General Racine Settles Consumer Protection Case against Debt Collection Company" Retrieved September 20, 2022.

FinanceJar Team

Staff Writers & Editors

View Author

The FinanceJar Team is a group of financial experts, writers, and industry professionals who collaborate to bring you fresh and simple insights into your finances. They're dedicated to guiding you toward the right path on your financial journey.

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