How do I obtain full account numbers for old debts on my credit report?

Or do I even need them…?

Ultimately I am in my mid-twenties, I do not deny nor do I make excuses for the numerous financial mistakes and risks I made in early teens/early adulthood.

I have been contemplating my current life status as a growing adult with much more responsibly and as such wish to fix my credit as I hope to buy a small starter home in the near future. As of right now my credit is not in good standing, I am currently viewed as a high risk to lenders with a score that’s not that far from 600, but defiantly not perfect by any stretch of the imagination.

I have a few "potential risk closed" marks on my file and other debt I wish to take care.

However with that said I know that by paying debts it could risk my credit as it could bring an old account up to current or bring it out from the back of the closet – so to speak. That’s why I only wish at this time to pay debts that are current, as in just reported last year and by only paying one at a time as I deem fit or in a manner which won’t put my score in further jeopardy.

The way I plan on paying is by sending a pay to delete letter, again, do not want to jeopardize my current score – even though its not perfect. However the problem is I can not find any documentation from the original company itself prior to the debt being sold to a collection company which lists the full account number. I recognize the first five numbers (then on the report the rest is x’ed out) and I remember the exact amount I owed this company. So I know who the debt belongs to and who I need to pay.

I need the account number for the re: section. Can I send them the pay to delete with account numbers as listed on the report along with a copy of their entry from my report?

I just don’t want to contact any of the collection agencies who I do not have documents on as I do not want to run the risk of dragging attention to past debts only so they can either reset the open date or bring it to current.

I was approved for a secured credit card and doing everything I know to help fix this, if you have any other suggestions please let me know!

Thank you!
In theory a pay to delete by phone would be a great option. However the pay to delete I have acquired states that if they agree it is a binding contract subject to state and federal law, therefore it would be in writing.

I’ve heard to many stories of pay to delete by phone only to have the collection agency go against their verbal word – then you’d have no proof of the agreement.

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Fri, Feb 25, 2011

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Tags: Account Numbers, adult, Collection Agencies, early adulthood, early teens, High Risk, imagination, jeopardy, Lenders, mid twenties, paying debts, Score

3 Responses to “How do I obtain full account numbers for old debts on my credit report?”

  1. Jim Says:

    credit-report-score.10001mb.com – try this site. I use it to monitor my credit and also cleaned off some bad items from my credit report. You can apply for free initial plan and get your scores and reports for free.

  2. Cold Says:

    They have an 800 number on the credit reports.
    With a pay on delete I’ve heard of people calling – never heard of requesting this by mail.
    And a pay on delete is not something they have to do.
    If you call by phone, they can look up your information to make sure they have the right account.
    Why don’t you call instead and see if they will be nice enough to offer you a pay on delete???

  3. CatDad Says:

    If these are for defaulted/charged off credit card accounts, then don’t waste your time trying a Pay for Delete as this will not work with charge offs. A charge off stays on your credit card for 7 years from the original default date, regardless of whether the debt is paid or not. If you pay, the debt will be updated to Paid/Settled R9 Charge Off…..slightly better, but not much.
    - How old are these defaults..when did you last make payment on them?
    Paying defaults on your credit report is a tricky move to make…be careful. If you don’t know what you’re doing you can stir up trouble, especially for old credit card debts. You never know how any one collection agency or debt collector will respond. Some might greet you like a long lost friend, while other debt collectors/agencies will view you as a sap who deserves to have your bank account emptied.
    - Never contact debts collectors over old defaults if you can only afford to pay in small amounts per month. They don’t want to be paid this way and doing so will not reactive your closed/defaulted accounts and give you good credit again. The way to pay old debts is to settle all at once in a one-time payment for less, like 25%. Money talks with debt collectors. Have money on hand to settle all at once. Use this to negotiate away any huge fees or interest.
    More about paying credit card defaults: http://catdadsblog.wordpress.com/2011/02/04/paying-charge-offs/
    More about paying non credit card defaults: http://catdadsblog.wordpress.com/how-to-pay-collection-accounts-on-your-credit-report/


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