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Posted: Fri Aug 24, 2007 12:27 pm Subject: help finding who i owe?

ok its been a long long time since i heard from any of my pdl online how do i go about finding who i still owe and such. i cant check credit report again cause it aint been a year. any ideas are great i'll try all of them

Posted: Fri Aug 24, 2007 12:38 pm Subject:

Call the loan places and ask for itemized statement of your loan accounts. They should have sent it without you asking for it.

Posted: Fri Aug 24, 2007 12:46 pm Subject:

thats great if i could remember the names of the places i loaned from. the pdls i have and concerned about are online ones, i cant recall the names of them? so how do i go about finding out the names of the companies i owe or if i still owe anyone since everyone know most online pdls are illegal in some states?

Posted: Fri Aug 24, 2007 12:58 pm Subject:

Do you have any of your old paperwork? Look at your old bank statements if these were internet pdl's there names or contact identification on there.

ladybug

Posted: Fri Aug 24, 2007 1:09 pm Subject: PDL

Like ladybug said you can check your bank statements for their ACH withdrawals. The ACH Dept at your bank might be able to help you. You might just have to wait until they contact you and they normally do.

Posted: Sun Aug 26, 2007 5:19 pm Subject:

Ok i might have to do that. its been almost 2 years since i heard from any of the pdls and all my other papers got burned up in my house.

Posted: Sun Aug 26, 2007 5:24 pm Subject:

No, No, NO. If that debt is 2 years are older, I would just leave it alone. I have heard stories, some I have read here that they had a debt that is as old as yours and they got nervous and decided to contact that creditor and what happen was the creditor reopened the debt and or sold or gave it to another collection agency. They even had to pay all that accumilated intrest and what ever other charges they had.

Check with the laws of your state to see what the statues of Limiation are on that debt and also contact your states attorneys department to ask the same. that is why this people are there to help you with this. Just be really careful now. You do not want to kick a dog when it is sleeping to wake up and bite you.

thanks

Posted: Mon Aug 27, 2007 3:21 pm Subject:

Luke is right, if this account is close to being at the statute of limiations you DO NOT WANT TO reactivate it by paying it. Just let it go.

ladybug

Posted: Mon Aug 27, 2007 3:27 pm Subject:

Definitely...you do not want to start your sol over...and if these are non licensed internet loans...let it go. Also...they do not as a rule ever report to the credit agencies...so don't worry about it.

Posted: Mon Aug 27, 2007 7:09 pm Subject: reply

Honey, if they haven't contacted you or tried to debit your account in all this time, why are you worried about it?? Let it go. Do not "kick the sleeping dog."

Posted: Thu Aug 30, 2007 2:03 pm Subject:

for credit reasons incase i try to rebuild my credit they might pop up but will leave them alone thanks for the advise

Redwolf · Posted: Thu Aug 30, 2007 3:27 pm Subject: Confused?

So they don't report these PDL's to the credit reporting agencies?

Posted: Thu Aug 30, 2007 4:20 pm Subject:

Most of them are operating illegally, without licenses and such. I think that if they report to the credit agencies, they have to be a vaild company, properly licensed and all that.

I had to check over my bank accounts to see who I got money from and how much I paid them. But in the case of 2 years, yeah I wouldn't worry about it. When it is time to check your credit report again, do it and see if there is anything on it, but there probably isn't. And getting your credit report is the first step to improving your credit. And there is more advice on that in the other category....

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