How do I find out my old credit card information?
Jul 07, 2009 in
Credit
AaronMckie
I have a credit card in collections (actually in the process of wage garnishment), and want to find out info on the credit card in question, but it is no longer on my credit report (the card is over 10 years old).
Of course the collection agency is no help, is there any way to get it myself, or is getting a lawyer the best/only way to go?
Thank you for any help.
I have a credit card in collections (actually in the process of wage garnishment), and want to find out info on the credit card in question, but it is no longer on my credit report (the card is over 10 years old).
Of course the collection agency is no help, is there any way to get it myself, or is getting a lawyer the best/only way to go?
Thank you for any help.
In case this information is needed, the card was originally issued in AZ, but am currently living in IL.
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5 comments
fergie on July 8, 2009 at 3:17 pm
go to your dealer of that credit card that’s the best thing to do
Steve D on July 10, 2009 at 8:39 pm
You should have a formal written communication from the collection agency providing information on this debt. If they did not send you written information, they may be in violation of the Fair Debt Collection Practices Act. I have included a link to a good brochure outlining your rights. Pay careful attention to the Validation section – depending upon how the collection agency has handled your account, you may have an avenue to get more information.
Sand Bag on July 14, 2009 at 7:32 am
Send them a Cease and Desist letter and that will get them off your back.
desdim on July 15, 2009 at 12:51 pm
It’s too late for that, no one is keeping track anymore.
BillLingle on July 17, 2009 at 7:34 pm
If you need to know the statute of limitations for your state, contact your state’s Attorney General’s office by phone or on the Internet. The statute of limitations will depend on the last time the original lender actually reported something to the credit bureaus. Since you say it’s no longer on the credit report, the collection agency probably has an advantage here.
I would definitely contact the original lender by phone or mail and get whatever information you can. Since they sent this to collections you will no longer be able to negotiate directly with them.
Make sure that all communications with the collection agency is done via certified mail. You may attempt to negotiate a “Pay for Delete” to pay off the debt and have the entire tradeline removed from your credit report. Of course since they are garnishing your wages, most likely you are not in that position to negotiate.