Hi there everyone....I am trying to figure out my date of last activity from two very old accounts. The accounts are back between 97-00 and were sold to creditors, however in looking at my report it shows that the original creditor has posted the "Last Reported" Date as May 2008. I am thinking that some re aging is going on and want to get them deleted. I have addresses for the original creditors but do not have my old account numbers. Should I just provide them with the digits that are visible on the credit report?
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.