55 Charged off accounts shown in my credit report.. :(

Blazinhardy,

55 accounts!!! Oh my god!! And even worse all with fraudulent activities.

blazinhardy, take control of this. This has already hurt your credit file severely and if not taken proper care, it will deny scope of credit in the future.

Contact the fraud department of the three credit bureaus. They will put a fraud alert and your information will be shared within them.

Anybody trying to open new accounts and doing fraud activities with your name will be brought open and he will be punished.

Contact your creditors individually and explain the situation. They are the ones who will portray a good view to your credit file and on this thought; they will correspond with the bureaus.

Before you contact the creditors, file a complaint at the nearest sheriff's department. Attest this affidavit along with your report sent to the credit bureaus and then approach each creditor individually.

All the repairs will be hopefully done by the credit bureaus and they will send you the report after modification. But if you involve yourself individually in this picture with the extra zeal, the process will be faster.

Remember, the faster you do the repair to your bad credit, the quicker you will be able to regain your lost financial worthiness.

I have contacted the 3 bureaus, but since that time (I know who stole my information, he's now in Mexico living with family) I have had no issues with ID theft or anything of the sort. The only creditor is Wells Fargo, who unfortunately keeps giving me the runaround. I will continue trying though, and thank you for your support! :)

Are you in touch with the person living in Mexico? Ask him to pay it since he used your account. That's the way it should be. If he takes it nicely, it's good otherwise, you file a police case against him.

I already filed something against him and have found out that he's wanted for a lot of other things... I think that's why he's in Mexico. The only reason I found out is because I got in touch with a mutual acquaintance of ours a few months ago who happened to know where he was.

If you can get something legal in written like a police complaint filed against him, then you will be able to solve your problem with Wells Fargo faster.

Have you thought on this?

Have not thought about that... it was so long ago I don't know if the police report would still render valid? I suppose I can give it a shot...

I wonder if filing a new report would make a difference....

If you can file a new report and an investigation is held proving the other person guilty, it will be worth doing it. Then you can produce the affidavit to Wells Fargo. Hopefully, your account will be properly taken care of after this effort.

I appreciate all the help again

Thank you. Keep us posted on it.

I managed to get a police report filed and faxed to Wells Fargo, and they are doing all they can to get the black marks removed from my credit! :)

This is a great move. Hope you get the true worth of it and the black marks removed from your credit file.

Do let me know about it in between. :D