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So i have had a credit card back about 3 yrs ago that I’m pretty sure I never paid off in full. I ran a creidt report today and it shows the number of open accounts as 2 (I have two open credit cards currently). And the number of accounts in collection shows as 0. So I’m not sure if I paid it off back then or if the credit card company just gave up trying to collect the debt. But is it safe to assume that if it’s not on your credit report don’t worry about it? If not what else can I do to track down this debt. So far I ran a credit report for all three bureaus and also got my fico report done and none of them show this outstanding balance….
afraid to leave well enough alone I’m pretty financially stable now if it’s out there i need to know how i can track it down so i can pay it out in full right away

No….there could be a collection agency out there that still might try to eventually collect………Leave well enough alone and don’t make any inquiries about this that might lead to the collection agency finding you and starting collection activity.

Collection agencies can report this to your credit report as a paid collection (or charge-off is that’s what happened)….This would leave you with damaged credit in spite of having paid it….You may be able to negotiate a Pay for Delete agreement…but there’s no guarantee that they’d agree. I still think you’re better off leaving things "as is" for now….Believe me…if a collection agency picks this up…you’ll know about it.