ID theft is very time consuming to overcome but here are a few steps to take to get back on track.
1. Call your local Social Security Administration office and report that our Identity has been stolen.
2. Call, email or write ALL 3 Credit bureaus requesting that they indicate on your report that your Identity has been stolen
3. Call the FTC and report what happened. If you already have businesses that have not confirmed that the actual borrower was you then you have a complaint to work with.
4. If you have proof- call your local police department and have them issue a case number related to the theft.
In some cases the Social Security Admin will help you in obtaining a new SSN #- be careful with this though as you may incounter problems in the future with your SS benefits.
Take the time to dispute anything that shows on your credit report involved with the theft as well as disputing with the creditors.
Get the file number from the FTC so that you can keep tabs on and add to the file as things come up.
Once you get a case number from the police do not hesitate taking anyone to court that you know has stolen your identity.
Keep accurate records for yourself and all agencies you are dealing with. (this will help mainly with the Social Security admin, police and court)
Although this is very time consuming it is well worth it in the end.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.