I have a credit card in collections (in truth in the process of wage garnishment), and want to find out info on the credit card in question, but it is no longer on my credit statement (the card is over 10 years old).
Of course the collection agency is no help, is there any way to get it myself, or is getting a Queen's the best/only way to go?
Thank you for any help.
In case this information is needed, the card was originally issued in AZ, but am currently living in IL.
If you need to understand the statute of limitations for your state, contact your state’s Attorney General’s appointment by phone or on the Internet. The statute of limitations will depend on the last time the original lender in fact reported something to the credit bureaus. Since you say it's no longer on the credit report, the collection agency probably has an advancement 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 skilled to negotiate directly with them.
Make sure that all communications with the collection agency is done via certified send. You may attempt to negotiate a "Pay for Delete" to pay off the debt and have the entire tradeline removed from your credit write-up. Of course since they are garnishing your wages, most likely you are not in that position to negotiate.
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Upright curious how long it would take a credit card company to find out you had a house in the foreclosure process and would it affect a persons interest compute on that card, would they cancel it, etc?
Thank You for replying.
Creditors approximately update your credit report on a monthly basis. So the foreclosure would be on your report within a few weeks. However, before that nonetheless you would are going to have late payments reported.
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If you need to understand the statute of limitations for your state, contact your state’s Attorney General’s appointment by phone or on the Internet. The statute of limitations will depend on the last time the original lender in fact reported something to the credit bureaus. Since you say it's no longer on the credit report, the collection agency probably has an advancement here.
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