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.