4 simple steps to fixing ID theft credit report problems

http://www.alabamaconsumer.com/2015/04/4-simple-steps-to-fixing-your-id-theft-credit-report-problems/

This video explains four simple steps to fixing ID theft report problems.

First, fill out ID theft affidavit. Sworn statement that says you did not take out the account or have someone else open the account.

Second, get a police report. Make it easy on the police to document what the bogus account is.

Third, send a dispute letter to the credit reporting agencies (and the furnisher -- creditor or collector -- who has the bogus info) by certified mail. Attach the ID theft affidavit and police report. ID yourself and the account and ask that it be deleted. Usually enclose driver's license and a recent utility bill or bank statement. Keep a signed copy.

Fourth, if the results of the investigation show the ID theft is fixed, then great. If the bogus account stays on there, then often the appropriate response is to sue under the FCRA (Fair Credit Reporting Act) for money damages. This normally results in the bogus account being removed very quickly.

If you have questions about your options when facing ID theft or other credit reporting errors, please feel free to get in touch with us by calling us at 205-879-2447 or contacting us through our website AlabamaConsumer.com.
John G. Watts
Watts & Herring, LLC
Birmingham and Madison Offices in Alabama
We represent consumers all over Alabama

No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. Our free weekly webinar is here -- https://my.demio.com/ref/ZHxa8NhYRNApOiyH -- on Thursday we'll be talking about some of the new FDCPA rules. Join us if you can!

"No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers."

Видео 4 simple steps to fixing ID theft credit report problems канала Alabama Consumer Protection Lawyers