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 Posted: Wed Sep 03, 2008 6:27 pm Subject: identity theft |
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i recently found out that i am a victom of identity theft. this is my first time looking at my credit report. 3 years ago my wallet was stolen. and it seems i have 4 credit cards and 2 bank accounts i knew nothing about all are 3 years old . Now what??? if i get the credit reporting places to block these will my score go up??i seem to have 6000.00 worth of debt and only 387.00 is MINE(not including my truck) i have never had a credit card or a bank account with either bank reported the only thing that should be on my credit is 1 old hospital bill(5yrs) and my truck
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foxytowgrl11
Joined: 03 Sep 2008
Posts: 3
Debtcc Points: 48
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| Posted: Wed Sep 03, 2008 9:46 pm Subject: |
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The best thing you can do is to dispute the concerned false debt with the Credit bureau and ask them to remove the same from your credit report.
You can find all your answers in 5 Steps To Take If Your Identity Is Stolen
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phoenix
Joined: 14 May 2008
Posts: 924
Debtcc Points: 5968
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| Posted: Fri Sep 05, 2008 11:01 am Subject: |
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You need to take a copy of your current credit report to your local police department and file an identity theft claim including each item that is not yours. You can then take that report and file it with the 3 major CRAs disputing each of those items and you can also send a copy of the report to each CA that holds the debt with a dispute letter. With the police report in hand they are required to remove any false reportings immediately from your CR. It would also be wise to place notices on your CRs that you were a victim of identity theft and extreme caution should be used by creditors when assigning credit in your name.
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DOLLARSandSINCE
Debt Samaritan
Joined: 11 May 2007
Posts: 879
Debtcc Points: 11017
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