I was the victim of Identity Theft...?

Question

Back in 2003. Despite detailed records, receipts, complaints to the Department of Justice, police, et cetera. No one helped me or even offered me any advice on how to proceed. As a result, my truck was reposessed in 2004, and despite trying to catch up, my credit still suffered.

Fast forward to 2006. Prior to this incident, my credit report was beautiful. I had R1s all the way down the board. I had long, established credit histories, which were all current. Besides the repo, I've also had stuff hit collections. I've NEVER done a charge off because I opted to pay the full amount in hopes that this would look pleasing on my record.

Is there really no help or no restitution to repair my credit? I've hit a brick wall each and every time. I'm STILL trying to play catch up to this day. It's frustrating because I want to buy a house, but I'm afraid my score isn't what lenders are looking for. Does my credit score BEFORE mean anything in this case, since I'm a victim of ID fraud?

This is only directed to the know it with the comments about the repo. The repo was caused due to the fact that I was using my own money to pay down these debts brought on BY the ID theft. So don't bother posting here or elaborating any further cuz ur ignorance has really pis$ed me off.

Answer 1

I strongly suggest you talk with an attorney to help get this straightened out. They can help by writing letters to companies on your behalf. Also I recommend getting some ID Theft protection.

But with identity theft it isn't a matter of if it will happen to you, it is more of a matter of when. It is the fastest growing crime in the US. A year ago I didn't know anyone who had been the victim of ID Theft, today I know 4.

I think it is important to protect yourself no matter how careful you are.

I suggest this service for protection. You get a credit report to see if it has happened.

You get credit monitoring to let you know if it happens. This way you know right away if it happens so you can minimize your loss.

But the best part is if it happens to you you are assigned a licensed investigator to handle every aspect of the Restoration!

The FTC says it can take 600 hours and thousands of dollars to correct the problems.

It is horrible to fix.

Answer 2

There is some information in my blog about ID theft that you may find useful http://blog.360.yahoo.com/blog-nVHt11Q8eqq5Sn2774ZVfkPYsQ--?cq=1&p=23

Specifically in regards to your truck, the new FACTA provision that just went into effect June 1, 2006 has protections from your credit being effected due to items that are a result of ID theft... but it can be a long road to get it done... If you would like some more info about this.. check out the blog as well as contact me directly...

Good luck Either way.

Answer 3

Take all of the information and get copies of the police reports for when you go to the lender. Your credit score is only one part of the equation. If you show them, hey, what happened was f'ed up, I'm doing my best to rebuild my life, they'll look favorably on you. Legally, you are not responsible for debts created in your name which you did not incur yourself. Fraud is fraud is fraud. Have you disputed the records with the Big Three? If you have disputes on file and you can substantiate them, the Big Three have to remove them. Get on the phone with the FBI and FTC and see what they have to say.

I could be dead wrong with this, but you should not have paid the companies which allowed loans or whatever to be taken out in your name. It's not your responsibility, and if they can't prove that it was you that took them out, they're up shitcreek without a paddle.

There's actually ALOT of laws in place to protect victims of identity theft, and more measures being passed pretty much daily. Have you checked online resources?

Answer 4

There is a product called Identity Theft Protection that will monitor your Experian credit report and do complete restoration in the event your identity is stolen.
Because this has happened to you already and is pre-existing, they won't be able to help with restoration this time. But because you've had your identity stolen once, you are SEVEN times more likely to have it happen again because your information circles and is sold over and over again. So to protect yourself in the future you might be interested in this.
If you're interested in a $10-$13 a month protection, please take a look at http://prepaidlegal.com/idt/cdmallicoat. Also, there is some information on my Blog on my 360 about identity theft.
Email me if you're interested.

Answer 5

Well i worked in a collection agency for 3yrs 1st get a list of your credit report then be prepared for the next few years to fight for your score you'll need to write to ea credit agency to dispute things that don't belong but once you do that it's recomm that you continue to put a fraud alert on your report hopefully you have a police report but it's up to you to keep up with your credit report (please rem every 3months or so for the next few years you should check to be sure there is still nothing there sometimes it comes bk contact your attorney general office get advise from them also hope you have this problem fixed good luck

Answer 6

Well, the repo could not have been an issue regarding your "identity theft problem". Those are two different matters. Sounds like you are just trying to use that as an excuse....

Answer 7

Uh oh......