Help!  I have 2 credit cards that are long overdue, but i cant track down the companies that theyre from?
917093
If it has been over 4 years don't worry about it. You will actually do more damage to you credit by paying them off now because your credit is mostly about the last 2 years so if you pay them off now it will show up as a bad account now and drop your credit score.\n\nIf it has only been a year or 2 you can get a free copy of you credit report by calling the credit reporting agencies and it will have the name and contact info for all of you creditors on the last 2 pages.
173435
You typically have 60 days to dispute a credit card charge.  Even though you are past that point, I would go ahead and file a dispute with the credit card company.  As far as getting it back from the company, if it is really a scam the odds are the you won't be able to even deal with them.\n\nI am sorry for the loss, but in the future dispute any charge within 60 days if you even suspect there's a problem.
672172
Don't know if its the same in the US - But we have a thing here called Visa Debit - has the same numbers/expiry and CCV of a credit card so try and find one of those.
1047978
They usually "try" to collect forever. \n\nIs it with a collection agency or still with the original creditor? If it is still with the original creditor, it either hasn't been very long since he defaulted, or it is with Cap One (just a couple of guesses there) \n\nYou need to find the statute of limitations in your state.\nYou also need to find when the date of first delinquency was on that card. \n\nIf he has had that card for 8 or 9 years, but only defaulted on it 2 years ago, he is probably still within the statute of limitations.\n\nIf he defaulted on the card 8 or 9 years ago, he is probably out of the statute of limitations, but you need to look it up to be sure.\n\nIf he defaulted that long ago and it is still on his credit reports, I would suggest sending the collection agency a debt validation letter. Send it certified return receipt mail. After receiving the green card back, send a dispute to the credit bureaus claiming - obsolete, please delete. (since the reporting period on a credit card is 7 years from date of first delinquency)\n\nThen, if you are "positive" he is out of the statute of limitations, after it has been 30+5 days since the collection agency had received the debt validation letter, whether they respond or not, send a SOL letter.\n\nI would suggest going to the site I've linked, you can find the resources for your letters and looking up the statute of limitations in your state.
731806
The statute of limitations for a charged off credit card depends on the state in which you originated the debt.\n\nPlease refer to the hyperlink attached below to find out the appropriate statute of limitations for your specific situation.\n\nGood luck and 10 pts please.
1031616
In addition to reporting it to Mastercard, if you've lost your card or it's stolen you can report the missing card to one of the three main credit rating agencies to avoid any potential credit problems.  You only need to report it to one, the other two will pick it up immediately.  Also, if it's a theft and you're worried about identity theft, you can sign up for a service that will constantly monitor your credit activity and report all activity to you via email.  So if someone uses your personal info to open another credit card, for instance, you'll see this immediately and be able to report it as fradulent before any harm in done.\n\nHere are the sites for the 3 major credit bureaus:\nhttp://www.equifax.com/\nhttp://www.experian.com/\nhttp://www.transunion.com/index.jsp\n\n\nHope this helps.  To learn more about personal finance feel free to listen to our podcast at promoneytalk.com
903930
unless the banks have notified you that the card has been cancelled - cos you missed payments, went over etc., the cards are still active. however, remember that it is so easy to fill them to the hilt again. it starts off as oh its just this one thing, its just this emergency, il pay it back on pay day, then its oh and this thing and that thing, oh ill pay a bit now and the rest later and before you know it, your maxed out and taking out a bigger loan.\n\njust be cautious is all x
110760
Why don't you contact the c/c customer service via their website? With a computer, you can get answers as fast as 48 hours. I have NEVER had any problems(knock on wood!) doing business with my bank or c/c company using their "help" or "ask us" section using my computer. All my payments have debited from my checking account on time and I haven't been late for a long time. The sites are secure and so far, I have not had my identity stolen or any other problems.\nThey aso have 800 numbers and you can talk "live" with a rep. \nIt is April and your problem occured almost 6 months ago. You better hurry or your credit will be shambles!
958629
Go and ask your bank. They have lists of aliases and may be able to tell you the companies real name.
462511
call in the card company and report it!
189607
Might want to try checking your SPAM inbox.  We seem to get tons of these emails of companies that will help rebuild bad or no credit w/a credit card.
1030722
If you are now up do date on your payments, and it has been awhile since you became up to date, you can always try a goodwill letter to the creditors. Tell them that you have worked hard to become current, it has been x number of years, can they please list the accounts on your reports as never late.\n\nIf you are still behind on the bills or the accounts have been charged off, thats a whole nother ball game.\n\nI would suggest going to the site that I've listed. It is a "free" do it yourself credit repair site. \n\nThere is no sense paying for anything or anyone to do what you can do yourself. Especially since alot of those credit counseling places will leave you worse off than you are now.
185128
check your credit report and dispute whatever you can on it.  if credit companies cant prove you owe this amount or if the report is past 7 years, then they have to remove it.  experian is the easiest to dispute online...i wiped out 13/24 debts from my report just by challenging them online within 6 weeks!!  it'll take some time and a bit of effort, but not as hard as i thought, and definately worth it!
157750
Get a credit report....If it is not on it , it was probably paid off
29216
get ur credit report from all 3 places.equifax, experion, and there is one more..can't think of the name. Check it. Maybe there is things on there that should not be, if so, tell them and the credit place will have to place a rebutal on there and then you will have time to figure that out. Also place a FRAUDULENT ALERT ON THE REPORT. The agencies will have to contact you before anything is placed or bought.  And if there is things on the report over 7 years, call them and explain to them, most of the time, they will take it off. In some cases, the place you had credit with probably doesnt exist anymore and when the credit ppl send a inquiry, it will come back unanswered and they will have to clear it off of the report. keep a check on ur credit every year. each agency will send you one report free yearly. hope it helps
165431
Call the company they will give you the payoff amount as of the day you call.  Credit reports are not up to date as of the day you order them.
215063
If you will still have those two negative items on your credit report, even if they are paid in full, contact all 3 credit bureaus immediately about those 2 negative accounts.  Tell them that those are the specific accounts that you are disputing and tell them that those accounts are wrong, that they are now paid in full.  \n\nMake sure to include information on the accounts such as the account numbers and the name of the company.  The three credit bureaus will have to investigate and they will find that you did in fact pay the accounts and they will change that on your credit report to showing that they are now paid in full.\n\nWhatever you do, do NOT bother contacting the accounts that you paid in full and asking them to report to the credit bureaus that you paid them.  They will just jerk you around and say "oh well, it says in our records that we did report it" when in fact they don't.  They got your money and they don't give a crap about the rest to take the time to report to the credit bureaus that you paid them.  So you will have to contact the credit bureaus yourself and let them know that it is incorrect.\n\nIf you don't know, the three credit bureaus are Equifax, TransUnion, and Experian.  The phone number to TransUnion is 800-916-8800, Experian is 888-397-3742, and Equifax is 800-270-3435.  It probably won't be enough to call them to dispute the information, but you can call and ask for their mailing address.  Then you will need to type up a letter to each credit bureau to tell them you are disputing the errors on your credit report.\n\nTo save you some time getting screwed around by the credit bureaus, I recommend you include with your dispute letter a copy of your driver's license, a copy of your social security card, and proof of your current residency such as a copy of your current utility bills with your name on it.\n\nSorry if it sounded like I ever repeated myself, but I am just trying to save you some hastle in the long run.  Because if you don't include all of those things along with the dispute letter right away, the credit bureaus will just screw you around and keep sending you letters requesting more information and it will just take a longer process and you keep having to repeat the information you already sent to them.\n\nIf you haven't guessed, I have gone through this already.  lol  But the upside of this is, the sooner you get this done, the better, and if you have any credit cards or other accounts, just keep them up and try to keep as low of a balance as you can and keep paying.  Your credit score will improve sometimes within 6 months or so.