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Request for HELP - LOST Account Numbers of CREDIT CARDS

Date: Fri, 02/15/2008 - 09:44

Submitted by anonymous
on Fri, 02/15/2008 - 09:44

Posts: 202330 Credits: [Donate]

Total Replies: 1


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 bureaus. 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 Bureaus 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 judgment 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


hi arka! i am so sorry to hear that you have to go through all this. i do't really know much about this. someone more knowkedgeable will bw here around shortly to help you.
when you lost your credit cards 4 years back, did you file a police report? i don't know whether this can be worked out or not, but if you show those reports to the credit card companies and explain things to them, won't they give you the account numbers? i think then you may trace your account balances as well. if the other credit bureaus do not have any record then that's probably because your creditors did not notify the bureaus when you took a loan from them. if you feel that you will be able to pay them back in the next 6 months all by yourself, then you need not go for consolidation.
i wish i could help you more. i hope you come out of this fast. do keep us posted. good luck!


lrhall41

Submitted by laurel188 on Fri, 02/15/2008 - 21:25

( Posts: 110 | Credits: )