- 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 for FREE
At Credit Repair Lawyers of America, we offer cost-free 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.