Somebody Bought a Car With My Name & Social
You are a victim of fraud if someone has purchased a car in your name. This person has all your information. Please follow the instruction below to protect yourself. 1) Run your reports asap and look for suspicious activity such as address change, name change, new credit cards and new loans that have been opened without your permission. You will also have access to the customer service line if you need help deciphering the reports. It costs $1 for the first week and $29.90 per month thereafter: https://thecreditbureau.com/consumer-credit-report/ 2) For assistance on how to clear fraudulent activity on your reports, read: Remove Fraudulent Items off your credit report 3) Once you have a handle on your reports and what needs to be addressed, freeze your report immediately. Follow the instructions here: How to Freeze Your Credit Report 4) We recommend continuing the monitoring of your reports – this is because there may be previous activities around the identity theft that has yet to appear on your report, and you need to be able to catch that as soon as it happens. You can also use the score analyzer to see how your score is progressing and what to do to improve your score. 5) If you would like to buy a car or want to apply for a new credit card, you’ll need to temporarily unfreeze your reports. Follow the instructions here to do that: Unfreeze Your Report Then refreeze your reports once you’re done. Freezing only lasts 12 months – you’ll have to refresh it going forward. Questions: Call us at 800-518-1077 Option 4
What happened after I became a victim of fraud
When I found out I was a victim of fraud, I was scared and had no idea what to do. Since I had the fraud protection program with the credit bureau, I called them, and this is what happened: They were US based and spoke clear English. They told me that my Id protection program has a protection policy of $1,000,000 that kicks in and pays for the losses. They took the job of fixing everything and did all the work and I did not lift a finger. The end results were a clean credit report, safe and sound bank accounts, and investments. I will never live without this service. Melissa J from Florida. Picture is a stock photo. You can register for monitoring at link below: Consumer Credit Report The Credit Bureau Phone Number is: 800-518-1077
Victim of Fraud? How to get help
Are you a victim of fraud? Do you need to know what to do? We’re here for you. At The Credit Bureau, we understand the challenges and stress that come with identity theft and financial scams. Our team of experts is ready to assist you. First thing to do is to register with the bureau by going to the following link: www.thecreditbureau.com/consumer-credit-report View your report to detect problems and concerns. Call us to get help on how to resolve issues. The Credit Bureau Phone number is: 800-518-1077.
Freezing Minor Children’s Credit Report
You can freeze your minor children’s credit report using the following links. You need to freeze with all three bureau. Submit a Written Request: You’ll need to send a hard-copy letter to all three bureaus requesting a “protected consumer freeze” for the minor child. Include Necessary Information: In your letter, include your name, relationship to the child, the child’s name, and address. Provide Supporting Documents: You’ll need to include copies of documents proving: Your identity (e.g., driver’s license, birth certificate). Your child’s identity (e.g., birth certificate, Social Security card). Your authority to act on the child’s behalf (e.g., court order, birth certificate, proof of parentage). Mail the Request: Send the letters and documents to the following addresses: Equifax P.O. Box 740256 Atlanta, GA 30374-0256 Experian P.O. Box 4500 Allen, TX 75013 TransUnion P.O. Box 2000 Chester, PA 19016 Important Notes: Must be done by mail: You cannot place a child on freeze online or by phone. All three bureaus: You’ll need to separately freeze the child’s credit reports with all three nationwide credit reporting agencies (TransUnion, Equifax, and Experian). Verify your identity: You’ll need to provide proof of your identity and relationship to the child, along with proof of the child’s identity. Remember that the credit bureau phone number is open to public: 800-518-10177
Good News – Healthcare Collections
Nationwide credit reporting agencies, TransUnion, Experian, and Equifax are now waiting 365 days from the time you saw your doctor before allowing medical debt to appear on your credit report. Even better news is that your debts on your reports used to stay for 7 years, even if you paid them. Not anymore. The bureaus are removing paid medical debt immediately. Additionally, debts under $500 will never appear on your report. This can be huge for people, as insurance companies are often slow in paying for medical bills. This means paid medical collections and medical debts below $500 will never be on your credit report. Check your credit report to make sure that any delinquent medical debt or medical collection that you have paid is immediately taken off. However, mistakes still happen. View your report by going to the following link: https://thecreditbureau.com/consumer-credit-report/ If you find mistakes and collection accounts are still on your report follow the link below to remove the wrong items: https://thecreditbureau.com/how-to-write-a-dispute-letter/ Email us at: customercare@thecreditbureau.com if you have any questions. The Credit Bureau Phone Number is: 800-518-1077
Company Falsely Claiming to Be Experian
A company claiming to be a partner with Experian is calling and emailing consumers telling them their credit score has dropped and giving them a place to log into a fraudulent system. This company also offers to “lower your interest rates” on your existing credit card accounts. Please be aware that Experian is not associated with this company, does not issue credit cards and does not provide account numbers to unauthorized companies. Call us if you any questions. The Credit Bureau Phone Number is: 800-518-1077
Collection Agencies and Credit Report
How can You Remove Collection Agencies From Your Credit Report? Collection accounts accurately reported remain on your credit report for seven years from the date the original account has gone past due. Paying off the collection account Paying off the collection accounts will not remove them from your credit report. The report will note that it is paid, which is helpful if you are borrowing or purchasing a home. A collection account will be automatically removed in seven years rom the time the original account went delinquent. The original account’s date is the date that your account becomes 30 days late. The first month the late payment starts will be the starting point of the 7-year period. Making a payment doesn’t reset the timeline for when the account will be deleted from your credit report. Statute of Limitation All States are different. So pay attention to the Statue of limitation. Call the credit bureau if you have any question. The Credit Bureau Phone Number is: 800-518-1077
Experian Credit Report for $1
IMPORTANT INFORMATION When you order your $1 Credit report and FICO® Score 8, you will begin your 7-day trial membership in Experian CreditWorksSM. If you don’t cancel your membership within the 7-day trial period‡, you will be billed $21.95 for each month that you continue your membership. You may easily cancel your trial membership online anytime within the trial period without charge. *Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. øResults not typical and will vary. Not all payments are boost-eligible. Users who received a boost from non-rental data improved their FICO® Score 8 from Experian by an average of 13 points. Some users may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost®. Click here to see your reports
I was a victim of fraud, and I legally changed my name
How to change your name on your credit report without impacting it negatively Name change normally happens through the court system2 Make a copy of your court order and follow the following instructions: You need to provide the following: Your name and address where you currently reside. Provide a piece of mail to your current address with your name on it. What you are disputing and why. Supporting documents, payment statements or checks. Indicate which of the provided information should be deleted or corrected. You can include a copy of your credit report with the items you want to dispute circled. Be as clear as possible to make it easy for the Bureaus to understand what needs to be done. Send the letters via certified mail, return receipt requested, or Fed-ex with a “signature required”, so you have documentation proving the credit reporting agency has received your letter. Keep a copy of your letter and all other documents for future reference. Equifax P.O. Box 105139 Atlanta, GA 30348-5139 Experian P.O. Box 2002 Allen, TX 75013 TransUnion P.O. Box 2000 Chester, PA 19016 Questions: please call us. The Credit Bureau Phone Number is: 800-518-1077 To view your credit report go to: https://thecreditbureau.com/consumer-credit-report/
I am an authorized user but the credit card does not show up on my report. Why?
You have been added to someone’s credit card as an authorized user, but realized it won’t help you with your score because the credit card does not show up on your credit report. This means that there is a mistake that happened at the time the credit card was created. Here are the steps to help:1. Have the person authorizing add your Social Security Number (SSN) to the account through thebank. This makes you an authorized user.2. Make sure that the credit card owner would make you responsible to pay. That means that you arealso responsible for the payments on that credit card. Note: If the credit card is newly authorized to you, wait for three to four months for the account to mature andyou will start seeing updates each month on your credit report. A word of caution is to make sure thatthe owner of the card pays the bills to this credit card on time. We recommend applying for membership with The Credit Bureau so you can see activity from the three major bureaus (Transunion, Equifax, and Experian), and have the ability to use optimization tools such as credit analyzer and in-person phone support to help improve your score. To become a member, click the following link: https://thecreditbureau.com/consumer-credit-report/ Call us if you have any questions. The Credit Bureau Phone Number is: 800-518-1077