FCO is one of the most visible multifamily and rental-housing collection agencies in the U.S.
- Apartment balances
- Single-family rental balances
- HOA and condo accounts
- Commercial and small-business receivables
Verify the collector before using a link or sending payment.
Compare these details against the validation notice, credit report entry, and any payment page before sharing account or bank information.
- Legal name
- Fair Collections & Outsourcing Inc.
- Known aliases
- FCO
- Official website
- https://fco.com/
- Consumer portal
- https://pay.fco.com/
- Mailing address
- 14400 Sweitzer Ln #235, Laurel, MD 20707
- Last reviewed
- May 20, 2026
If a caller, text, email, or payment site uses different identity details, contact the collector through an official source before responding.
Third-party multi-unit housing collector and consumer-reporting furnisher
Who owns the debt changes what documentation, authority, and correction path you should ask for before paying.
FCO describes a national debt-collection agency providing collection operations, software integrations, credit reporting, payment intake, and client reporting for bad-debt accounts. CFPB alleged that FCO collected debts on behalf of large apartment complexes, student and military housing, and assisted-living facilities and furnished account information to credit reporting agencies.
Do not assume FCO owns the debt; ask it to identify the current creditor or property client and the original creditor if different.
Ask for validation and itemization of lease charges, move-out charges, fees, interest, payments, credits, and the property or client that placed the account.
What to know before responding
- Rental-housing debts should be reviewed against the lease, move-out inspection, deposit accounting, and state notice rules.
- If you are applying for housing, ask whether the creditor can recall, update, or document the account status after resolution.
Verify before paying.
A legitimate collector can still have the wrong person, wrong amount, stale debt, duplicate placement, or incomplete documentation.
- The collector name, mailing address, phone number, and website against the letter you received.
- The original creditor, current owner or client, account number, balance, and date of last payment.
- Whether the debt is inside your state lawsuit limitations period before making a payment or written promise.
- Whether the account appears on your official credit reports from AnnualCreditReport.com.
- The final rent ledger, damage invoices, deposit accounting, and any move-out notices.
- Whether the account matches the account types commonly associated with Fair Collections & Outsourcing: Apartment balances, Single-family rental balances, HOA and condo accounts, Commercial and small-business receivables.