Retrieving account numbers not fully listed on credit report

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Rabid_Dog

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Post Posted: Fri Jan 16, 2009 7:02 pm    Post subject: Retrieving account numbers not fully listed on credit report
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As in how do I do it? I need to dispute a few accounts I just discovered, and the account numbers listed on my credit report are either partials, or completely X'd out. How do I obtain them without offering my ssn or otherwise acknowlodging the debt to the agencies in any way?

Thanks! Confused

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Post Posted: Fri Jan 16, 2009 8:00 pm    Post subject:
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Well here is the problem

Even if you have the account # collection agencies or other account holders have to verify who you are or they can't talk to you

You can also request a full report as the one you got is probably a free one

You should also know the the account numbers in the first place since they are your accounts

And if they not yours then what is the worry?

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Post Posted: Sat Jan 17, 2009 6:34 am    Post subject:
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well, i understand the worry, eugene...rabid dog is trying to get to the bottom of why those accounts appear on the credit report, it seems. even if the accounts belong to someone, we (the people) have a lovely little habit of forgetting who we neglected to pay oh-so-many years ago. so, it's easy not to recognize a debt that may have been sitting idle for a few years.

maybe the minnesotans you deal with have better memories than the nutmeggers (yes that's what ct people are) i deal with.

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Rabid_Dog

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Post Posted: Sat Jan 17, 2009 7:30 pm    Post subject: Exactly!
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Mr. Makerly is correct, the passage of time and a house fire tend to lose or destroy paperwork. The report I got was "free" as I am just starting to be able to repair the bad spots on my record, and well a novice at this. Had I known the free report would not be "complete", I would have paid. I also have no idea what some of them are, and suspect another person is responsible for at least a few of them.

So whats the worry? They are not my accounts, and I don't even have (for the time being) any account numbers to dispute? Maybe that's it. Wink
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