Identity theft credit repair

Why these come off

Identity theft is the one situation where the process is fastest, because the Fair Credit Reporting Act requires the bureaus to block information resulting from identity theft once you submit a valid identity theft report.

The hard part is doing it correctly: the FTC report, the police report where needed, the affidavits, the notices to each furnisher, the fraud alerts and freezes. Miss a step and the accounts come back. We handle the whole sequence.

How the process runs

Common questions

What makes identity theft different from a normal dispute?

The bureaus must block information resulting from identity theft once you provide a valid identity theft report, rather than running an ordinary 30-day investigation.

Do I need a police report?

An FTC identity theft report is the baseline. A police report strengthens it considerably and some furnishers require one. We will tell you what your situation needs.

Should I freeze my credit?

In most identity theft cases, yes. We walk you through freezes and fraud alerts at all three bureaus as part of the process.

What if the fraudulent accounts come back?

It happens when a furnisher re-reports. That is a separate violation and we escalate it.

What is a mixed file?

When a bureau merges someone else's information into your file, usually because of a similar name or Social Security number. It is more common than people think and it is fully challengeable.