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I had multiple fraudulant accounts on my credit reports from different companies within months time, however it was 4 years ago. I did not know about until i checked my credit report. All of the accounts except one were deemed fraud by their own respective investigations. The one that didn’t had the account with a law firm collecting, after i contacted them to validate that the debt was mine, the CA took back the account from the law firm and will not respond to my requests. I made the mistake of calling them and they hung up on me twice. What is my recourse now, i have requested validation and gotten no response and disputed it with the CRA’s and the CA verified it as mine ? The original creditor wouldn’t speak with me as they have sold the bad account to the agency that is collecting now. Please advise why the CA is acting the way they are ?

Rob (more…)

I recently requested my credit report to find out that someone has applied for 4 mortgages in California. I live in Miami. For years I have been trying to fix my credit so that I can applied for a mortgage. I reported it to the police and contacted one of the banks involved is there anyway I can go further so that I can find out who the loan officer was and the title company that closed these mortgages? I just cannot believe a mortgage company can get away with this. I WANT TO PRESS CHARGES!

Roger (more…)

Hello Paul

I have a chase account that a CA is trying to collect from me on.. I have asked chase to verify this account using the letter below.. All I got back was a copy of a signature card and a sheet saying to sign that the account is not mine and no validation of the debt the last payments made or any of the other info required by the  FCRA (FACTA), requirements where do I go from here nothing was proven. When I go to court should I ask for a dismissal on these grounds?

Robert (more…)

Hi all, I have a question. I have relatives who are mixed onto my report. For example my moms info is on my report and she had filed for bankruptcy but some of her items are on my report. I believe it is because we have the same name and lived at the same address for years together. Her social comes up on my report as another social that I use. I disputed with cra and they have not taken it off. Also I think my sister fraudulently used my info in my name.What can I do?

Thanks .Any info. is greatly Appreciated.

Letty (more…)

My mom opened 3 credit cards in my name and defaulted by $2000 on each of them by over 90 days.  They are now completely paid off, but my credit score is unbelievably awful.  How can I repair the damage without pressing charges against my mother?

Colleen (more…)

I have been doing my own credit repair and I received a letter from Experian that two negative accounts have been deleted. That is good, however, I wondering if Experian will report this to the other CRAs or do I have to go through the dispute process again.  I read somewhere that by law a CRA is suppose to inform the other credit reporting agencies but I do not know if that info. is accurate.  Please shed light.

Dee (more…)

i just pulled my cr and on it there is a credit card i never opened or authorized. i contacted them and gave them my info and they said the acct. was opened online and all my personal info matched what i gave them so they are not going to remove off my credit. i had problems with mycredit about 6-7 years ago and almost all the negative is coming off this year. my question is how do i get this off me. they told me i could settle for about 350.00 but i just paid a judgement off and do not have the funds to pay this too plus i dont owe it and i dont want to pay for something i didnt open. but this is now a recent credit item so it is adversly affecting my credit. another thing i have written them and asked for validation none given but a letter stating i owe them money. i have disputed my reports they deleted off one report but will not the other two. what to do? i am writing this because i just found your site and i have used your info and have increased my score but this is hurting me.

Mike (more…)

As a recent victim of identity theft I’m requesting information regarding credit repair.

Ken (more…)

I found out a few years ago that my mother opened a credit card in my name and had been charging. When I spoke to the credit card company they said if I report the account as fraud then my mom could go to jail. I didn’t want that to happened, but is there anyway that I can get this removed from credit report. It’s not fair that I have to live with something that I didn’t even do. Please help.

Tarsha (more…)