I need to clear up some accounts on my credit report.?

Question

I aloso need to file identity theft, I want to do it my self can any one tell me where do I start from.

Answer 1

You can start by getting copies of your credit reports. Dispute any inaccurate information. If it cannot be verified within 30 days it has to be removed. You can put flag in your credit file that will notify you when any new inquiries are made or anyone has applied for credit in your name.

Identity theft is a crime. If you believe you are a victim, contact your local law enforcement.

Answer 2

First thing you must do is file a police report and state that you are a victim of identity theft. You can call now over the phone.

The following information is provided so that you may contact any or all of the consumer reporting agencies. You can contact them for questions about receiving a copy of your credit report, to dispute information on your credit report or to place a fraud alert.

Equifax: 1-800-525-6285, www.equifax.com, P.O Box 740241, Atlanta, GA 30374-0241

Experian: 1-888-EXPERIAN (397-3742), www.experian.com, P.O Box 9532, Allen, TX 75013

TransUnion: 1-800-680-7289, www.transunion.com, Fraud Victim Assistance Division, P.O Box 6790, Fullerton, CA 92834-6790

Call Experian, Equifax and Transunion to file a identity theft report.
Then you need to get your credit report from all 3 agencies. Dispute the items that are not valid and the ones that are, write them a letter stating that you want to settle the account and offer a third of what you owe. Write them a check when paying them and write on the check that this payment is payment in full for account number xyz and the account is current and in good standing.

The cancelled check will be your proof of payment and weapon to have past due accounts removed from your report and replaced with up to date and paid satisfactorily description on those negative accounts.

This process takes time and it is through the mail so you can't let your mail sit you must act and respond and pay the creditor according to the terms that you have agreed to.

The creditor has a limited amount of time to update your account, if not you can sue. Look at the Fair Credit reporting Act in the link below.

Answer 3

Yes, if sounds like you already have a copy of your credit report, but if not go to www.annualcreditreport.com. Everyone is allowed to pull a free copy of their credit report for each of the three bureaus once per year. It will prompt you for a credit card only if you want your score, otherwise it will allow you to view and print your report.Once you have your report check for inaccuracies, if you find any incorrect items you will need to dispute them directly with the credit bureaus TU = 1-800-916-8800 Experian = 1-888-397-3742 & Equifax 1-80-685-111. In addition if you are looking to improve your credit score you can pay down credit card balances (to less than 30% of limit), also you can pay off collection accounts. Make sure the collection agency reports that you've paid these accounts to the bureaus. In general, try not to let accounts go past 30days late (that's when they start showing up on your report 30,60,90,120 days late). Good Luck

Answer 4

Start by getting a copy of your credit report. Make payments or pay off anyone you owe money to. If your account(s) are in collections, you may need to contact the credit card company and work out a payment plan.

If you believe you are a victim of identity theft, I've posted a website below for the Federal Trade Commission which lists things you need to do if you are a victim.

Answer 5

The Best Defense for Your Credit Security:

Remain alert. Check your credit card statements each time and contact your credit card issuer immediately if you notice anything suspicious. If you doubt an unauthorized purchase, write a letter to your credit card issuer, giving information about the suspicious purchase and any reference numbers. The credit card issuer must look into your claim and send you a report of their investigations. You can also ask for a free annual monitoring report from every major consumer reporting agencies. The latest amendment to the Fair Credit Reporting Act mandates requires that these credit-reporting companies give you the reports as per your requests every year.

Answer 6

B/C credit card agencies ought to warn different lenders which you would be achieveable on condition that your account is closed (probable by using the economic institution) and you had to do something (like not make your money) as a manner to close you account.

Answer 7

You can go to the federal trade commission page, but you will have a lot of papers to fill out all on your own.

Answer 8

Go to this site - they do all of that for you: http://www.jdoqocy.com/click-1995821-10293241