How ID Theft Victims Can Repair Their Credit Rating
March 10th, 2010
When credit reporting agencies report detrimental and WRONG things about you, (bankruptcy, arrests, late and non-payment of debts, etc.) it can severely affect your life. You find that you suddenly:
1. Have difficulty renting an apartment and getting a job.
2. Are charged higher interest rates on your credit cards, loans and utilities.
3. Are denied a cell phone contract, financing and loans of all kinds.
4. Are charged higher and/or supplemental security deposits on utilities.
5. Are charged higher insurance rates if you can get insurance at all.
6. Start getting calls from creditors and bill collectors to name just a few.
If you then search for the cause of this sudden down-turn in your life and find that the agencies are reporting inaccuracies about you, you’ll want to correct them as soon as possible. A victim of ID theft can request the agencies to block and/or reinvestigate fraudulent items on their account. Contact them at:
Equifax fraud div, 1-888-766-0008, PO Box 740241, Atlanta, GA 30374
Experian fraud, 1-888-EXPERIAN, PO Box 2104, Allen, TX 75013
Trans Union fraud, 1-800-680-7289, PO Box 2000, Chester, PA 19022
TeleCheck Forgery, 1-800-710-9898, PO Box 4451, Houston, TX 77210
The Agency may instruct you to write a letter, use an online form or they may mail a form with your confirmation or file number. Use certified mail, return receipt requested, when you correspond with them.
You will receive one of three responses:
1) Agency notice stating that they are terminating a reinvestigation (of the information you are disputing) because they determined that the dispute is frivolous (or irrelevant) because you failed to provide sufficient information to investigate your claim. They will inform you in writing giving their reasons and identifying any information needed to Read the rest of this entry »

