| An Unpleasant Possibility
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| | similar name. In this case your credit
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| Are there entries on your credit report
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| | repair efforts will fall under Section
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| that do not belong to you? These may be
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| | 611 as indicated above. But if the
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| the result of a file merger error on the
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| | creditor says that it is your account and
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| part of the credit bureaus. Or they may
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| | verifies your name and address, and you
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| be the result of a more nefarious case of
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| | know that this is an account that you
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| identity theft. The Fair Credit Reporting
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| | never personally opened it is time to
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| Act (FCRA) gives you very specific and
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| | act.
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| powerful tools to correct cases of
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| | The Dispute
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| identity theft and to quickly block the
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| | An Identity Theft Dispute must include an
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| erroneous information from appearing on
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| | Identity Theft Report which may be
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| your credit report and impacting your
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| | obtained from an authorized agency
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| credit scores.
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| | including, but not limited to, your local
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| Section 611
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| | police department, the FTC, the States
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| Most disputes are governed by FCRA
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| | Attorney General Office, and The United
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| Section 611 procedures which rule that
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| | States Post Office. In addition to the
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| "if the completeness or accuracy of any
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| | Identity Theft Report you must include
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| item of information contained in a
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| | clear proof of your identity,
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| consumer's file at a consumer reporting
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| | identification of each suspect account on
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| agency is disputed by the consumer and
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| | your report, and a statement that the
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| the consumer notifies the agency
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| | suspect information is not related to any
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| directly, or indirectly through a
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| | transaction made by you. Don't make the
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| reseller, of such dispute, the agency
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| | mistake of providing speculation about
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| shall, free of charge, conduct a
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| | the disputed items. The credit bureaus
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| reasonable reinvestigation to determine
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| | only want the simple facts. Many credit
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| whether the disputed information is
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| | repair efforts are foiled by too much
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| inaccurate and record the current status
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| | information. Don't muddy the water.
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| of the disputed information, or delete
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| | Immediate Results
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| the item from the file, before the end of
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| | Once you have properly submitted an
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| the 30-day period beginning on the date
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| | Identify Theft Dispute to one of the
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| on which the agency receives the notice
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| | credit bureaus they are required to take
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| of the dispute."
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| | immediate action. The FCRA (Section 605B)
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| A Powerful Credit Repair Tool
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| | mandates that a credit bureau block the
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| Section 611 procedures are normally fine,
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| | reporting of any information that you
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| but if you have a pending transaction
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| | have identified as having resulted from
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| that requires your credit report to be in
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| | identity theft within four business days
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| top form and time is of the essence you
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| | of the receipt of your dispute. The
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| should consider getting out the big guns.
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| | blocking of information means that it
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| The FCRA remedy for identity theft is the
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| | cannot be included on your credit report
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| most powerful and quick acting tool
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| | nor have any impact on your credit
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| available. But before you utilize this
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| | scores. To further accommodate your
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| powerful credit repair tool you need to
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| | dispute the three credit bureaus,
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| determine that the erroneous information
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| | Experian, Equifax, and TransUnion must
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| on your report is something more than a
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| | refer your dispute to each other. This
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| file merger problem.
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| | eliminates the burden of dealing with
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| Assess the Situation
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| | your credit repair project in triplicate.
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| Many of the erroneous entries that appear
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| | Other rights related to identity theft
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| on consumer's credit reports are due to
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| | include Fraud Alerts and Credit Freeze
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| annoying file merger problems resulting
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| | which may or may not be appropriate for
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| from deficiencies in the credit bureau's
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| | your situation.
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| data management systems. These are
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| | Contact a Credit Repair Professional
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| altogether too common and do not fall
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| | If you feel in doubt about the process
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| into the category of identity theft. If
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| | and want clarification contact a credit
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| you examine your credit report and
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| | repair professional. Most reputable
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| discover an account that does not belong
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| | credit repair companies will offer a free
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| to you it is essential to take action
| |
| | consultation and take the time to clarify
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| immediately. The first step is to call
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| | any concerns that you may have. If you
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| the creditor that is furnishing the data
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| | would rather hire someone instead of
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| to the credit bureau and ask them if the
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| | doing it yourself, a competent credit
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| account is truly under your name. In many
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| | repair professional can perform the work
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| cases victims of file mergers discover
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| | for you in an efficient and careful
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| quickly that these mysterious accounts
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| | manner.
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| belong to someone with similar
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| | Copyright © 2007 James W. Kemish. All
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| identifying characteristics, like a
| |
| | Content. All Rights Reserved.
|
