Comments on: How do I find out my old credit card information? http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html Loan and Financial Info Mon, 01 Feb 2010 15:06:52 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: BillLingle http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html/comment-page-1#comment-775 BillLingle Fri, 17 Jul 2009 06:34:31 +0000 http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html#comment-775 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. 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.

]]> By: desdim http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html/comment-page-1#comment-774 desdim Tue, 14 Jul 2009 23:51:29 +0000 http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html#comment-774 It's too late for that, no one is keeping track anymore. It’s too late for that, no one is keeping track anymore.

]]> By: Sand Bag http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html/comment-page-1#comment-773 Sand Bag Mon, 13 Jul 2009 18:32:31 +0000 http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html#comment-773 Send them a Cease and Desist letter and that will get them off your back. Send them a Cease and Desist letter and that will get them off your back.

]]> By: Steve D http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html/comment-page-1#comment-772 Steve D Fri, 10 Jul 2009 07:39:11 +0000 http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html#comment-772 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. 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.

]]> By: fergie http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html/comment-page-1#comment-771 fergie Wed, 08 Jul 2009 02:17:34 +0000 http://www.fn-live.com/how-do-i-find-out-my-old-credit-card-information.html#comment-771 go to your dealer of that credit card that's the best thing to do go to your dealer of that credit card that’s the best thing to do

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