Debtconsolidationcare.com - the USA consumer forum

Obtaining Status of accounts

Date: Sat, 04/01/2006 - 17:07

Submitted by LCW
on Sat, 04/01/2006 - 17:07

Posts: 1151 Credits: [Donate]

Total Replies: 7


has any one ever tried to write a past creditor that was paid off too obtain the current status of an account they believe is paid off?

My thought here is we paid off about 5 sizable accounts last year, and though we know they are paid off, with the threats of ID theft and junk debt agencies fabricating invalid debts, I want to have some record those accounts are paid and the dates they were paid. Unfortunately I hadn't found this forum at the time, and did t think to keep good records, hence what I am trying to do now. if any one has done this or has any ides how to proceed, I would love to hear from you.


Clay,

I had this problem two years ago with an account for Providian Visa. I called Providian and requested a summary of my old account and they sent it via USPS.
I kept getting calls until I received the summary and when I told the collection company I had received the information from Providian the calls stopped.
I checked my credit report shortly afterwards and the account was marked Paid.


lrhall41

Submitted by kalevala316 on Sun, 04/02/2006 - 08:49

( Posts: 139 | Credits: )


It is my understanding that you need to hold onto the information for at least 7 years. Just a little advice: hold onto the paper document which is the original for 7 years and still scan and file the disc for future reference. You can never be too careful. I have become "****" in holding on to original documents and that has cleared quite a few questions with creditors more than once.

Kalevala

[color=Red]****Adult term removed - Jason[/color]


lrhall41

Submitted by kalevala316 on Sun, 04/02/2006 - 10:35

( Posts: 139 | Credits: )