Repairing Your Credit Reports after ID Theft in New York

The New York Attorney General reports that “identity theft affects thousands of New Yorkers every year.” It is harder than ever to keep personal information safe from hackers. Sure, a lot of ID thieves are eventually caught, but their apprehension doesn’t undo the credit report damage they inflict. In addition to recouping financial losses, victims of ID theft must undergo a lengthy credit repair process in order to completely restore their good names.

Are You Victim of Identity Theft? | Credit Repair Lawyers of America
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The Credit Report Recovery Process

New York ID theft victims have more credit repair success if they follow the right steps in the correct order. Here is a rundown of the credit report recovery process. You must:

  • File a police report. Take your Identity Theft Affidavit to your local police station when you file your report. Also, make sure to get a copy of your police report because you will need it to complete the remaining steps.
  • Contact the three major credit reporting agencies. Via phone or email, report the ID theft to TransUnion, Experian, and Equifax. The credit bureaus will then put a freeze on your access to new credit and send you free copies of your credit reports.
  • Find and dispute unauthorized items on your credit reports. For every unauthorized charge and account, you must write a dispute letter to the associated creditors and the credit reporting agencies. Before mailing the dispute letters, make sure to attach supporting documents and copies of your police report.
  • Wait 30 days for responses. This is how long creditors and credit bureaus have to conduct reasonable investigations of your disputes. Once you receive their responses, request new copies of your credit reports and look them over. If fraudulent items remain then you may need to file lawsuits against the negligent parties.

We Repair Credit Report Damage from ID Theft

At Credit Repair Lawyers of America, we offer assistance to victims of ID theft in New York, so you don’t have to deal with this process alone. Sometimes people run into problems when dealing with creditors and credit bureaus, who are often skeptical about ID theft cases. They put up unnecessary road blocks as well as make recovery efforts harder. However, with our help, credit repair after ID theft is easier and faster. We’ll write dispute letters for you, organize your documents and also, if necessary, file lawsuits on your behalf.

These services cost our clients nothing because the Fair Credit Reporting Act (FCRA) requires the defendants in successful actions to cover our costs and fees. So, the responsible lenders and credit bureaus pay the bill and you don’t. There is also a chance that they’ll have to pay you 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 Carl Schwartz at (855) 956-2089 to schedule a free, no obligation consultation, or email him through our contact page.

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Credit Repair Lawyers of America

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