Secret Clearance

[koastika]

What is the name of your state? NY

Hi,

I am in the NY ANG and I underwent a secret clearance in 2002-2004. I was fine except for a defaulted student loans and some credit cards form '98 These items appeared on my credit report. I agreed to pay all my outstanding debt. When I got back from tech school I paid of my loans to get them out of default. Then I consolidated under Sallie Mae. Then I went after the other debts. One of the companies citbank said I had no debt or records and to dispute it online. I did that. I then went to find out about another company First Bank, but they no longer exist. I was denied clearance in 2005 and was asked to get more records which i couldn't The problem is that the Air Force wanted to know what I am doing about that account, but the bank no longer exists and the Chase who purchased them has no records from that time for me. I am a current card holder of Chase. I am under going another clearance and they want to know about these old accounts. I am not sure how to document this since I can not get a letter saying they have no records for me. What should I do?

T

 

[jrg24]

there is a forum where you can get some info for the creditors on your credit report. i dont know if they allow outgoing links, but google "creditboards" and you can find a site that deals with all kinds of credit issues. that information has to be somewhere. it could be possible that chase sold the debt to a collection agency and have since wrote it off, assuming chase bought it to begin with. you should be able to dispute it off of your report if there is no contact information for the debt. by law, the credit bureaus have to investigate disputes in a reasonable amount of time (usually 30 days) and remove it if it cannot be verified. even if the debt comes back verified somehow, you will at least have the name and contact information of the creditor currently holding the account.