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Hi,
Sorry if my question has been asked before. I tried searching for it but could not find the answer.
So here it is:
I am writing GW. But I don't remember the full account numbers because I once shredded all my (baddies) cards. Some credit reports show the account number partially and a bunch of xxxxxx. I don't want to write my full SSN on the letter because it's so dangerous since my address is also on the letter.
What is the best way to expose myself on the GW so creditor can look up my accounts?
Regards
@pt2005 wrote:Hi,
Sorry if my question has been asked before. I tried searching for it but could not find the answer.
So here it is:
I am writing GW. But I don't remember the full account numbers because I once shredded all my (baddies) cards. Some credit reports show the account number partially and a bunch of xxxxxx. I don't want to write my full SSN on the letter because it's so dangerous since my address is also on the letter.
What is the best way to expose myself on the GW so creditor can look up my accounts?
Regards
They don't need the full account number just stated account number 5353 4235 3461 xxxx last 4 digits omitted by my credit report worked fine for me and i got rid of all my baddies =)
They don't need the full account number just stated account number 5353 4235 3461 xxxx last 4 digits omitted by my credit report worked fine for me and i got rid of all my baddies =)
+1 or you can call the original company . Provide all the information and they can give you the full details of account number. Or maybe call Credit Bureaus........Hope it help
just remember NEVER send any personal information to the collections, since most collections will NEVER have your information doesn't matter I guess if it's paid, but just stating it incase. Most of the time they'll request information and fill in the blanks. Since they probably won't have true documentation which is required by law to post on your reports.
the safer bet is to comb through your reports like a hawk, chances are you'll find reporting innaccuracies or reporting violations, with that you can force them to delete, every single derog on my report had innaccuracies and one even took me over a year to find, and it was a big one too! anyways I got all mine removed cause they violated the law, and claimed they investigated when they did not. pressed them hard with a intention to sue and things all disappeared. Reporting violations are $1,000 each in the FCRA. One company I counted 51 violations, and 3 from each Experian, Equifax, and Transunion because their method of verification is not valid.
@pt2005 wrote:Hi,
Sorry if my question has been asked before. I tried searching for it but could not find the answer.
So here it is:
I am writing GW. But I don't remember the full account numbers because I once shredded all my (baddies) cards. Some credit reports show the account number partially and a bunch of xxxxxx. I don't want to write my full SSN on the letter because it's so dangerous since my address is also on the letter.
What is the best way to expose myself on the GW so creditor can look up my accounts?
Regards
One way you can get your full ACCT # is pull all three reports...im not sure of which ones give you which but you can use the info from all CRAs to piece together you ACCT#. I also think if you have the last 4 #s or the first 12 #s and the last 4 of your SSN they should be able to pull it up....
Thank you all for your precious advice.
I will try call the creditors to obtain the account numbers, pull CRs, as well as to call the bureaus to get all the account # before sending GW. I will remember not to put the whole SSN. Maybe just the last 4.
I once did not understand much about credit and let many of my good cards went into charge offs. Those include 3 BoFa ($5.5K, $7K, $8.5K), Macys Visa ($12K), Chase ($1.5K), Best Buy ($1.5K).
In early 2010, I went from total credit of about $30K+ DOWN to $600. Yes, $600. I had only 2 credit cards left (Cap 1: $500, and Kohls: $100). My score went down to 500s in 2010. Though all of my COs have been settled, getting back to my feet was extremely hard since no one wanted to grant me credit. Just since I knew about this forum, I learned a great deal and was able to get 2 AMEX, 1 Discover, and several GE backed cards. My total credit limit is now about $17K, a great accomplishment from $600 a year ago. My FICO score now is about 670 across the big 3. But I believe if I ask the creditors to delete the COs, I would be in a much better shape.
One of my biggest achievement with the help of this forum is to get Cap1 to remove the $59 AF on my Cap1 and also got a CLI and PC to $3000 (from $500 mentioned above). I learned about the 1-9% util. I learned about spreading util to the cards and PIF. I also learned to pay multiple times before and after the statement cuts. Oh boy, so many great advices that I never say thank you enough. I'm no longer using my debit card to pay for things. I now use my cards to pay for stuff and then pay them down or off.
This is a wonderful community.
Made me raise an eyebrow.