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Arka
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Subject: Request for HELP - LOST Account Numbers of CREDIT CARDS
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Fri Feb 15, 2008 6:19 pm
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Dear Friends,
I am in a unique situation and I am looking for help for 1 year. I was cheated by one Debt Consolidation lasy year.
Here is my situation -
1. I had few credit cards during my graduate studies in maryland. I maintained good credit history for almost 2 years and paid payments on time. I had one Auto Loan (Major Debt and paid 80% of Debt) and other credit cards which I paid and closed the accounts.
2. After Graduation, My Financial Situation Changed and I was NOT able to pay on time and slowly my credit history is going down. For past 4 years, I am NOT using any credit cards and trying to bring my credit score to some level. My Credit Score is 610 now.
Recently I ordered my credit report from Equifax and other 2 credit bureuas. Only Equifax reported some accounts that I am not aware. I closed 3 credits cards. I was not knowledgeable enough at that time to get a letter from them that I paid as agreed. Now, All those Closed accounts never showed up in my Credit Reports.
Now, I need some help from all of you -
How can I get the Account Number of my some of Other Credit Cards that were Lost in Past 4 years? I greatly appreciate if someone can help me or give me some pointers in getting this information?
How can I find out Original Creditors and account Balances?
Why other credit Reporting Burueas Does not have any record of mine?
I clearly 40% of my Debt so far and I am trying all my best to repay the remaining Debt, but Don't know where to start?
Where Can I get the information - related to any judgement on my file?
I have a debt total of US$ 6000.00 maximum and I have ability to pay these in 6 months now. Do I still need to go with Credit Repair Clinics or Debt Consolidation Companies.
Any help is greatly appreciated.
Waiting for a Position Response.
Thanks
Arka |
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Fasfeed
Joined: 06 Feb 2008
Fasfeed's page
Posts: 87
3244 Magic Points
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Sat Feb 16, 2008 3:56 am
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| The first thing we need to figure out here is the issue with the account you say you are not aware of . How are they reporting. For instance are they showing up as account paid as agreed and closed, charge offs . These may be the accounts you are refering to . If you are unsure ,dispute the acounts if they come back as verified . Then fire back with a debt validation letter.Samples of these letters can be found on this site. Once you gather this information you can go from there . Best of LUCK . |
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Laura
Joined: 21 Jun 2007
Laura's page
Posts: 1402
34547 Magic Points
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Sat Feb 16, 2008 5:53 am
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Hi Arka,
Can you give the details of the report so that we can see it here?
_________________
Regards,
Laura. |
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Subject: Thanks for response
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Sat Feb 16, 2008 2:47 pm
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Thanks Fasfeed and Laura,
I am new to this forum. Please advise me how to award point to people who respond. I travel in and out of USA to my home country due to my parents medical condition.
I went to myfico.com and order 3-in-1 credit report, Only equifax has the report.
I can write here -
NCO FIN/22 "No Account Number on File" Balance =>2475.00
Status => 120 + past due
wach/stbk "No Account Number on File" Balance =>0.0
Status => bad debt/collection
Bank of America "No Account Number on File" Balance =>0.0
Status => bad debt/collection
Discover Card "No Account Number on File" Balance =>0.0
Status => Ok . I paid the entire amount
Uni Tel FCu "No Account Number on File" Balance =>2633
Status => bad debt/collection
I never had Bank of america or Wachovia credit cards. If I remember it correctly, I used to have MBNA, American Express and Discover Card and I also paid Capital one credit card.
I appreciate if you can help me. |
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Ism
Joined: 13 Feb 2008
Ism's page
Posts: 44
2506 Magic Points
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Sat Feb 16, 2008 3:29 pm
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When you say only Equifax has the report, do you mean these accounts are only on Equifax or that ALL your accounts are only with Equifax?
I would begin by disputing them with the credit agency first. That's easy, can be done online, and if the information is as vague as this, shouldn't be a problem weeding out what's right or not. Once they weed out the bad stuff, then you can contact the companies directly (via mail) with a debt validation letter and they'll give you all the info they have. Once you are certain it's yours, it should be easy to simply pay off and be done. |
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carmiann kolker
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Subject: capital one accounts
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Sat Nov 07, 2009 5:30 am
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| HOW DO I FIND OUT MY CAPITAL ONE ACCOUNTS AND BALANCES. THEY ARE BAD DEBTS |
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