I have an old account that i havent used in yrs with a zero balance..but on my credit report it shows its open. I am writing them a letter to close it but on my credt report it only gives a partial account number....so should i enclose my social security number in the letter? im sorta hesitant to do so
2007-03-04 15:52:38 · 15 answers · asked by myownsecretarydotcom 3 in Business & Finance ➔ Personal Finance
try calling them on the phone (see if you can find a number on the internet or something or if it's on your credit report.) If you can't close it over the phone then send the letter. THey should be able to give you your account number, that way you won't have to risk sending something with your SSN in the mail.
2007-03-04 15:56:18 · answer #1 · answered by Sharp Marble 6 · 0⤊ 0⤋
It's not necessary. Be sure to include your full name, date of birth, address and telephone number. Also, in your letter, be sure to ask them specifically to report that the account was closed by YOU. If it doesn't say that in the report, some potential creditors can take it as a negative.
2007-03-04 23:57:40 · answer #2 · answered by jimmyjohn 4 · 0⤊ 0⤋
You don't need your SSN on your letter, just an account number. If they require a SSN, they will contact you.
BUT - You might want to reconsider closing the account. Even though you don't use it, it has shows length of (good) credit. How long you've had (good) credit is one determinate of your credit score. So, unless you've got other accounts that are just as old, reconsider. Having this account on your record will not hurt you, but closing it might.
2007-03-05 00:07:27 · answer #3 · answered by catielovesjesus 1 · 0⤊ 0⤋
No. You should be able to verify the account information without divulging your social security # in a letter. Contact the creditor directly.
2007-03-05 00:03:53 · answer #4 · answered by crisagi 4 · 1⤊ 0⤋
I wouldn't your account number should be enough... also make sure your account hasn't been transferred to another debt collecting agency... in that case you may be sending the check to the wrong company. If possible talk with someone from the debt collection agency... I would also ask them what all you need to enclose. Good luck!
2007-03-04 23:56:38 · answer #5 · answered by assezaime 2 · 0⤊ 0⤋
You should only put the last 4 numbers, and that is it. They should know the first part of your social security # if they handled your account.
2007-03-04 23:56:10 · answer #6 · answered by Boricua Born 5 · 1⤊ 0⤋
Nooooo. absolutely not. Identity theft is the fastest growing crime in the North America, and that letter may get intercepted. Call an attorney, for advice.
I got hit with ID theft, and it is no picnic.
2007-03-05 00:33:05 · answer #7 · answered by darkpoet3000 3 · 0⤊ 0⤋
Try to contact this company first and ask them what all is needed from you to close the account,,Dont include your personall information in the letter unless they ask for it...
2007-03-04 23:56:44 · answer #8 · answered by shawna64801 2 · 0⤊ 0⤋
Just call them. Tell them to send you a statment that shows the account has been closed
2007-03-05 00:50:11 · answer #9 · answered by J 3 · 0⤊ 0⤋
i dont think you need to. just your account number...
honestly.. i think its better to call the creditor.. they'll ask you to file the claim to close it... at least once they know your doing that then if they ask for social it should be okay...
2007-03-04 23:56:31 · answer #10 · answered by Anonymous · 0⤊ 0⤋