Fix Identity Theft

Fix Identity Theft2019-11-11T19:28:53+00:00

Repairing Credit Report Damage Caused by Identity Theft

Most consumers are familiar with the concept of identity theft. They also understand that it’s a growing threat these days. The most common image of an identity thief in essence is a remote, anonymous hacker who uses technology to steal consumer data from a location. However, what most people don’t realize is that identity theft is often committed by family members.

Sadly, we’ve seen more and more cases of consumers with their personal information often stolen by people they both know and trust. Credit card details and Social Security numbers are simply entrusted to the wrong individuals. In addition to family members, IRS agents, bank tellers, and doctor’s office employees have made headlines for stealing consumer data. Still, the apprehension of some of these thieves does nothing to correct the credit report damage they cause.

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How to Recover from Identity Theft

Repairing credit reports from identity theft can be tricky, and there are several steps in the process. The following is a simple step by step guide on how to recover from ID Theft:

Filing a police report

If you want to fix your credit reports then you have to have a police report. This is literally the first thing you should get your hands on after identity theft occurs. If the identity thief is a family member then the victim might be hesitant to file a police report. Yet, even if it creates an awkward situation, getting a police report is crucial. Without a police report, neither the credit reporting agencies nor the lenders will do anything for you.

Calling the credit reporting agencies

The three major credit bureaus, TransUnion, Equifax, and Experian must immediately receive notice that your identity has been stolen. Afterwards, they will freeze your access to new credit and each agency will send you a copy of your credit report. This is done because it helps to prevent more fraudulent charges from identity thieves.

Identifying unauthorized items on your credit reports

The next step involves writing a letter to each credit reporting agency that lists all of the credit report items that you don’t recognize. Remember that if you don’t attach a police report or if you fail to identify each disputed item properly then your credit reports will not recover from the identity theft.

Waiting 30 days

This is how long the credit reporting agencies have to get back with you after receiving your letters. Once you have their responses, check to verify that your credit reports have been cleared of ALL disputed items. At this point, if there are still fraudulent items lurking on your credit reports, the only way to clear them is to file a lawsuit.

 

We Fix Credit Reports Damaged by Identity Theft

If all of this seems complicated, don’t worry. We can help you recover your damaged credit report caused by identity theft. We will coach you through both the process and even write the dispute letters for you. Even if we have to file a lawsuit on your behalf, it will still cost you nothing out of pocket. Under the Fair Credit Reporting Act (FCRA), the defendants in settled cases are required to pay our fees and cost. In some cases, our clients receive payment for damages.

Talk To A Credit Repair Lawyer for Free

Let’s start a conversation about how we can help you with your credit issues. Call attorney Gary Nitzkin at (773) 360-0665 to schedule a free, no obligation consultation, or email him through our contact page.

Sue. Settle. Smile.

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Credit Repair Lawyers of America

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773-360-0665