Call the Credit Bureaus
There are three major credit reporting agencies, TransUnion, Equifax, and Experian, and they must be notified about your identity theft. When contacted by an identity theft victim, the credit bureaus do two things. First, they freeze your credit access so that no new accounts can be opened in your name. Then they send you free copies of your credit reports.
Find and Report Unauthorized Items on your Credit Reports
Look over your credit reports and make a note of every unauthorized transaction and fraudulent account. Next, write dispute letters to the correct credit reporting agencies and lenders linked with these accounts. Remember to include a copy of your police report with every letter sent.
Wait 30 Days
Under the Fair Credit Reporting Act (FCRA), the credit reporting agencies must investigate your claims within 30 days. If they fail to respond in time, or if fraudulent items remain on your credit reports after those 30 days have passed, the credit bureau in question is in violation of the FCRA. At this point, you should file a lawsuit.
We Recover your Credit Reports from Identity Theft Damage
Luckily, Florida identity theft victims can leave this complicated process to the professionals. At Credit Repair Lawyers of America, we will fix your credit reports after identity theft. Our team of attorneys and credit experts will guide you through every step. We’ll even write dispute letters on your behalf and organize your documents.
Finally, if we need to file a lawsuit to get the job done, you still won’t pay a penny. This is because the Fair Credit Reporting Act (FCRA) requires the defendants in successful actions to cover our costs and fees. In some settled cases, our clients even receive money for damages.