How can I find out who bought my credit card debt?

I've stopped paying on several credit cards for over a year. Is there any way to find out who bought the debt? I now have the money needed to pay these companies back.





Too bad I didn't have a house, otherwise the Democrats would have paid for it.

How can I find out who bought my credit card debt?
If you haven't needed a credit card up until people have been telling you that you need one, don't worry about it. You really don't 'need' one. The only reason that I got my credit card (aside to help with my credit score!) was for emergiencies-and that was at my family suggestion. I ended up applying for a card through my bank/federal credit union. They will be easier than any other place, especially if you have been with them for a while. Make sure you have NO annual fee. Aside from that, pick and choose.





http://hubpages.com/_36442/hub/How-to-Se...
Reply:The credit card company will do that and check your account if you want to request for your account detail they will give it but not all credit card company will give it free. If you would like to apply for credit card with zero apr balance transfer you can go to smart credit card and they have some good offer for you.
Reply:If you aren't offended by taking advise from a Democrat and Obama supporter.....





Pull your credit reports...These should list who has your debt.





annualcreditreport.com is the real free site to check your credit file for free once a year. NOT freecreditreport.com





https://www.annualcreditreport.com/





It's very important to understand that once your accounts are charged-off...that the damage is already done. Don’t make the mistake of simply cutting a check to whatever collection agency has the debt for the charge-off and assume that your credit rating will be magically restored...Doing so will not remove it from your credit reports. It will simply be updated to a "Paid Charge-Off," which, while slightly better, is still a seriously derogatory item. Per the Fair Credit Reporting Act, a charge-off, whether paid or not, can remain on a consumer's credit reports for up to seven years. Even if you could negotiate the removal of the item from your credit report with the debt collector, the original creditor will continue to report the charge-off.





Renewing contact with debt collectors about old debt may trigger very aggressive collection activity...Your goodwill effort to pay back the debts may be met by a barrage of abusive phone calls from debt collectors...even lawsuits. Making recent payments on old charged-off debt resets the statute of limitations on the debt in many states...which would enable the debt collector to immediately sue you for the debt. In my opinion, this potential risk is the not worth the slight increase in your credit score from paying off old charged-off debt.





If you're going to pay off old-charged-off debt anyway, then you might as well negotiate the lowest settlement you can possibly get, being that the negative charge-off notation is going to stay for 7 years on your credit report anyway. At most, offer to pay 25%...since they paid pennies on the dollar for the debt. If you do decide to pay, get all terms of any settlement deal you reach with debt collectors IN WRITING BEFORE you give them your money. Never accept settlement deals over the phone...The debt collectors will deny that any settlement was ever made once they get your “settlement” money and will come back demanding more money.





You have to be VERY careful in this effort...Mail them a vaguely worded statement like:





I am willing to settle this matter for 25% of the original amount. This is in no way an admission of this debt, but rather an attempt to settle this matter. Your firm must send me a written agreement on your company's letterhead that you will accept this amount as "payment in full" and that is issue will be settled. Upon receipt of this agreement, I will mail you a money order for this amount.





Maybe it's best to leave things be and not contact them....
Reply:the companies that you owed debt to, ate it. They have Insurance against such things. They lose nothing.


If wanting to rebuild your credit..get a secured credit card.


No way to pay back the monies you owed.


Nice that you would want to..bless you...HUGS!!
Reply:Contact the company who you originally had the debt with and they should be able to provide you with the relevant information.