We have some credit card Charge Offs and Illegal Ident. Thft

Ok,
Now to clean up the mess! First get a complete copy of reports from all three bureaus. Go to your local police station and request police report related to indentity theft. Go to www.ftc.gov and download identity theft affidavit and fill it out.

Next start your disputes with bureaus.Send police report and ftc affidavit as support to written dispute you will be sending in to them certified mail return receipt.

Lastly for your protection immediately call all three bureaus and place fraud alert on your file.

Good Luck

Place a 7 year alert on your report ASAP. The police report will come in handy when you contact the creditors and explain the situation. If it is Capitol One or HSBC they will more than likely give you a hard time.

Good Advice Tammy,
Let me add if Capital one or anyone else gives you a problem contact naca.net or myfaircredit.com You have rights that are enforced by fair credit reporting act as well as facta amendant to fcra.Stand firm on your rights and get it cleaned up.Good Luck.

So far, no one can help..Especially them Police. I am using a Credit Attorney..So far in 1 1/2 years they have had about 25% success. What do I do about the charge-offs that are my own, and 7 years have past. Will they fall off? Help if someone knows.
Peace