Have you seen your credit report recently?  And if yes, how? Free Aps such as credit karma claim they show you the credit report but you really need to look to see it.

You have a couple of choices:

  1. www.annualcreditreport.com that gives you three credit reports for free every year.  It is a government site and will not hurt your score.
  2. You can use our site: https://thecreditbureau.com/consumers-credit-reports/   You have one week to view your credit report and ask us any questions for free. After the week is up, you can leave it and get charged $29.95 each month to access your report at anytime and receive alerts when something happens.  Using our report will not affect your score negatively.

To remove fraudulent charges you need to diligently follow the directions below:

  1. File a police report with your local police.  Make a few copies of the police report and keep it handy
  2. View your report and pick out anything that seems strange and make a note of them
  3. Write a letter to the credit reporting agencies.  Cover letter should include your name, phone number, address, social security number, and the fraudulent charges spelled out in detail
  4. Mail the cover letter with a copy of the police report and a copy of the page of the credit report that has the fraudulent charge.  Include your Driver’s license and social security card.
  5. Mail three copies preferably by registered mail to the addresses given below:

Equifax P.O. Box 740256 Atlanta, GA 30374-0256, 800-685-1111

Experian P.O. Box 9701 Allen, TX 75013 , 888-397-3742

Trans Union, P.O. Box 1000, Chester, PA 19022, 800-888-4213

Within a 30 day period, you will receive a copy of your credit report from the three credit reporting agencies.  When you receive your credit report, examine each line and make sure they have removed the fraudulent charge. Also, there are instructions on how to reach the bureaus if you still need help.

Refer to our blog for further questions: https://thecreditbureau.com/video-blog-2/

We believe if you follow the steps above, you can resolve your issues.