What if I don’t have all of my credit card info now?

No worries!  For now, enter in what you do know – off the top of your head – and then come back later to update once you have your statements and collection letters. 

It is always best to list out your creditors individually to get the most out of your UGotiate experience.  To list out each creditor, the minimum info you will need is each creditor’s name and balance. And you will need Original Creditor Name, if account is currently listed with a 3^rd Party Collection Agency. The rest, you can fill in later!  If you really don’t know these details on each of your account, just list out of your total debt for now. Then, when you have time to gather your statements and collection letters, come back to list out each creditor individually. 

To individually list out your creditors completely, you should include the following information:

• Creditor or Collection Agency Name
• Full Account Number (usually 16 digits)
• Current Balance
• Creditor mailing address
• Collection Agency Reference Number (if exists – not all collection agencies use this)
• Original Creditor Name, if account is currently listed with a 3^rd Party Collection Agency

Again, if you do not have all of this info, don’t stress.  Enter in what you do know.  As you receive statements or collection letters in the coming weeks and months, just come back and update what you can.