How to go about this with-out open the can of worms?

[edart243]

This is my first post I am finding this site very helpful in my quest to repair my credit! My question is I have a collection account and don’t know my account numbers to validate my account! Didn’t know if I would open a can of worms if I started call the collection company or Cardholder for the account numbers!

How to go about this with-out open the can of worms?

[AISLE4]

Look at your credit reports.

[edart243]

it look if most of the numbers are xxxxxx out?

[thomassl]

Your credit report should show who the collection account is from. Usually you will see the original creditor listed and the date of delinquency. We need more information from you such as how old is the debt? If you contact the collection agency, which I personally never do, this could "awaken the sleeping dogs" and they come after you!

[edart243]

The original account was Providian CC which was open in 12/98 the only account number I see is 54580045XXXX the account was than purchased by CA 12/01 and all I can find on my credit report is REMEX account # 63XXXX and they last reported on 7/03

[thomassl]

When did you make your last payment as New Jersey has a 6 yr. statue of limitations?

[edart243]

This is my Account History:

Charge Off as of Mar 2003, Feb 2003, Jan 2003, Dec 2002, Nov 2002, Oct 2002, Sep 2002, Aug 2002, Jul 2002, Jun 2002, May 2002, Apr 2002, Mar 2002Feb 2002, Jan 2002, Dec 2001

180 days as of Dec 2001

150 days as of Nov 2001

120 days as of Oct 2001

90 days as of Sep 2001

60 days as of Aug 2001

30 days as of Jul 2001, Apr 2001

[bigjohnstud4200]

They don't need the full account number. If you give them your name and the part of the account# that you do know, they will find yuo. Trust me.

[momof5]

the good news....

"30 days as of Jul 2001" is your DOFD. +7 = Jul 2008. +6 = Jul 2007.

I would let this "sleep" until fall and THEN attempt DV's and deletion. You don't want to wake the sleeping giant so close to SOL expiration.