Despite great advancements in identity protection practices, identity theft affected over 143,000 Americans in 2019. Unfortunately, many people aren’t aware fraud has been committed until after the thief has run up a debt in their name. Usually a person finds out when a collection agency contacts them to request payment. Other times they might find out when a fraudulent item appears on their credit report.
If you find out that you are a victim of identity theft and have someone trying to collect on an account that you did not open–don’t worry–there is a clear and safe path to getting that account removed! According to the Fair Credit Reporting Act, if a creditor or collection agency is notified that the debt in question is being disputed, then collection efforts must stop “until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.” In order to do this you have to send a letter to the collection agency and the credit bureaus that reported the account that clearly states your name and contact information, the account number of the faulty collection and other pertinent details, and make it explicitly clear that this account was opened fraudulently as a result of identity theft. Providing a police report that states you have been a victim of identity theft is also a major bonus and goes a long way in proving your case.
Now all of this might seem overwhelming, but Fix Your Credit Consulting is here to help you! We have dealt with thousands of fraudulent collection cases for our clients and have been able to get them removed from their credit reports with our tried and true methods. If you’ve been a victim of identity theft and need collections removed from your account, call us today!
Okay true story guys! I was in a 5 year relationship with a narcissi*t. He maxed out all my credit cards, opened up cards and cell phone accounts to get stuff to sell to get cash. I had issues when I wanted to buy my first house, When I finally looked at my credit score it was 451, plus loads of negative items in collection. Then I found help while making research on how to fix my bad credit. This "computer geek" kept popping up
( PYRAMIDEYE.HACKR (at) GMA IL d o t COM ) he was able to bypass the credit bureaus, upped my credit score to 785, cleared credit card debts and negative items on credit report.
My credit report has been clean for 1 year plus now and CS at 795.
If you need help fixing bad credit, getting a legit Driver License/passports, clearing parking tickets/fines/student loans etc, get in touch with the expert via the mail above, you can use me as referral. Trust me he is truly an expert at what he does. Thank me later
I cannot recommend this company enough!! I was terrified with some of my debt and even called lawyers to see if they would help. Raquel gave me a free 30 minute consultation and got me from completely terrified to feeling at peace and with a plan in ONE phone call.
Being in debt is so scary and unfortunately there are a lot of shitty companies out there. Raquel and Fix Your Credit Consulting are a breath of fresh air and have the best care and attention for their customers. Schedule your call with them immediately and get a hold of your credit and finances!
The true sign of a business is one that could take your money, but instead tells you the truth that they can't help. I spoke with Sandra on behalf of a friend that had some credit issues and she determined that based on his report, she couldn't help him at this time. This company is wonderful and I would recommend to all friends and family having credit issues.
Thanks again Sandra for your honesty.
I've known Sandra for at least 10 years. She is a phenomenal person to work with and a super hard worker that cares about people. Do not hesitate to work with her and her amazing team. Jeff is wonderful as well!!
Thank you, team Fix Your Credit Consulting you are amazing*****
