With an average of 12 million victims per year, Identity Theft has continued to be one of the most prevalent crimes.
ID Theft is essentially someone robbing you of your identity in an effort to gain credit in your name and evade responsibility at any cost. Sometimes the perpetrators are actually people we know, but more often ID Thieves remain unknown.
The good news about ID Theft as it relates to you and your credit report is that correcting it is fairly easy as long as you follow the steps outlined in the Fair Credit Reporting Act (FCRA). Under the FCRA the credit bureaus must PERMENANTLY BLOCK all ID Theft issues on your credit report.
Once you have followed the steps we provide for you, we will wait 30 days for the credit bureaus to update and remove the items that don’t belong to you. IF the bureaus fail to remove the items, we will hand you off to one of the attorney’s in our network and a suit will be filed in Federal Court under the Fair Credit Reporting Act.
Do you need the ID Theft steps and packet? Let us know by clicking the Get Started button below (or should this go directly to the Get Started (ID Theft) form. If you have questions, feel free to call us at 702-778-2000
More than 12 million American’s are victims of identity theft each year. It is a very frustrating process to fix if you don’t know what to do. We have outlined the steps to correct the credit reporting issues connected to identity theft.
We also provide FREE assistance to you if you the creditors, collection agencies and credit bureaus have failed to have your report corrected. The credit bureaus have a responsibility to stop the reporting and block anything connected to identity theft.
If you are not successful on your own, we will assign an attorney from our network. That attorney will file suit under the Fair Credit Reporting Act (FCRA) against the credit bureaus that have failed to correct you report, and all creditors and collection agencies.
You are eligible to get up to $1,000 in statutory damages under the FCRA and your legal fees are PAID.
Steps to take if you are a victim of ID Theft
- Pull a copy of your credit report from www.creditchecktotal, or www.privacyguard.com
- Identify tradelines (creditors) , inquiries, address/work info and items that are inaccurate
- Take a copy of your credit report and bring it to your nearest police station and ask that they produce a report for you (not mandatory, but a good idea)
- Fill out the attached FTC ID Theft Affidavit ( I have attached a PDF to this email)
- Send a copy of your credit report, the police report and the completed FTC Identity Theft affidavit letters to 3 major credit reporting via certified return receipt (address’ below)
- It is also a good idea to ask that the credit bureaus place an extended fraud alert on your credit report. You will want to supply them with your cell phone number as any new creditors looking to extend you credit will be required to contact you to verify information from your credit report to verify that YOU are actually applying for credit. More information on Extended Fraud Alerts may be found here: http://www.consumer.ftc.gov/articles/0279-extended-fraud-alerts-and-credit-freezes#Why
- Hang on to your Certified Mail cards and the Certified Return Receipt from all three bureaus
- Update your report 30 days from receipt by the credit bureaus
Credit bureau address and phone numbers
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19022-2000
Experian Information Services, LLC – NCAC
701 Experian Parkway
Allen, Texas 75013