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
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 .
Hi Arka,
Can you give the details of the report so that we can see it here?
Thanks for response
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.
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.
capital one accounts
HOW DO I FIND OUT MY CAPITAL ONE ACCOUNTS AND BALANCES. THEY ARE BAD DEBTS