Having ready knowledge of your personal loan balance, payments and terms is important for maintaining a healthy credit report and score. Filing and keeping track of your initial loan documents is the easiest way to review this information, but a variety of causes -- such as fire, loss of home or identity theft -- can necessitate the sudden need to obtain your loan details elsewhere. Fortunately, there are many options for acquiring the information, both by phone or written request.
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Things you need
- Your Social Security number
- A copy of your credit report
Contact the lender directly. Do an Internet search for the phone number and address of the bank or institution that loaned you the funds if you do not have access to a billing statement. Supply the account representative with your phone number and/or Social Security number and request that a copy of your original loan agreement be mailed or faxed to you for your records.
Obtain a copy of your credit report from one of the three major credit reporting agencies: Equifax, Experian or TransUnion. Find the name of the lender on your report to review your payment history and to find contact information for the lender along with your account number. Use this information to contact the lender and request a copy of your loan details.
Access your account online. Find the official website of your lender and register to access your personal loan details. You will be required to know your account number to register; call the customer service number listed on the website if you are having trouble registering your account for online viewing.
Tips and warnings
- Do not supply your Social Security number to any personal loan lender you do not recognise or with whom you do not have knowledge of previously signing a contract. Ask that your account be accessed by supplying your phone number, home address or secret pass code instead.
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