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
Bad Credit? Need a Secure Credit Card?
Bad Credit? Need a Secure Credit Card? Here’s How to Rebuild the Smart Way If you’re struggling with bad credit, you’re not alone. One of the most effective tools to rebuild your credit score is also one of the most accessible: a secure credit card. A secure credit card can be a financial lifeline. Whether your credit took a hit from missed payments, high balances, or life’s unexpected turns, a secure card offers a second chance to get back on track—without putting you at further risk. Let’s break down what secure credit cards are, how they help rebuild your credit, and what to look for when choosing one. What Is a Secure Credit Card? A secure credit card works just like a traditional credit card—but with one key difference: you provide a refundable security deposit that typically becomes your credit limit. For example, if you deposit $200, your credit limit is $200. This deposit reduces the risk for the card issuer, making it easier for people with poor or no credit to get approved. Despite the deposit, your spending and payment history is reported to the credit bureaus—just like a regular credit card—which gives you the opportunity to rebuild your credit score over time. Why a Secure Credit Card Makes Sense If You Have Bad Credit ✅ Easier Approval Most secure cards are designed for people with damaged or limited credit histories. Approval requirements are more forgiving than traditional credit cards. ✅ Credit-Building Power Consistently making on-time payments and keeping your balance low will be reflected in your credit report, helping to raise your credit score over time. ✅ Spending Control The credit limit based on your deposit helps you avoid overspending and makes it easier to stay in control of your finances. ✅ Upgrade Potential Some issuers offer a path to “graduate” to an unsecured credit card and get your deposit back—after several months of responsible use. What to Look for in a Secure Credit Card Not all secure cards are created equal. Here’s what to look for: Reports to all three major credit bureaus (Equifax, Experian, TransUnion) Low or no annual fees Reasonable minimum deposit (usually $200–$500) Option to upgrade to an unsecured card Online access and mobile alerts Fraud protection and zero liability for unauthorized charges Bonus points if it includes free credit monitoring so you can track your progress. How to Use Your Secure Card Wisely Once you’re approved, the real work begins. Here are some tips: Use it regularly—but only for small purchases you can pay off quickly. Pay your bill on time, every time. Keep your balance low (ideally below 30% of your limit). Monitor your credit score monthly to watch your progress. Final Thoughts Bad credit doesn’t have to be permanent—and a secure credit card is one of the best first steps toward financial recovery. It’s not just a piece of plastic—it’s a powerful tool for rebuilding trust, confidence, and control over your financial future. If you’ve been turned down for other credit options, don’t give up. A secure credit card can open the door to new opportunities, better rates, and most importantly—peace of mind. Ready to take the first step? We have picked a few you can choose from go to the link below and carefully choose Secure Credit Card Would you like this turned into a printable guide or comparison chart of top secure cards? I can help with that too.
Bad Credit? We Have the Auto Loan for You
Let’s face it—life happens. Whether it’s a missed payment, medical bills, or an unexpected expense, many people find themselves with a less-than-perfect credit score. If that sounds familiar, you’re not alone. The good news? Your credit history doesn’t have to stand between you and a reliable vehicle. At The Credit Bureau, we specialize in helping individuals with bad credit get the auto loan they need—without the stress. Why Bad Credit Shouldn’t Stop You Traditional lenders often focus solely on your credit score. But we know that a number on a screen doesn’t tell the whole story. Maybe you’re rebuilding after a rough patch, or maybe you’re just starting to establish credit. Either way, we’re here to look at the full picture—not just your credit history. Here’s how we do things differently: ✅ Flexible approval criteria ✅ Affordable monthly payments ✅ Down payment options that work for your budget ✅ A wide selection of dependable vehicles Auto Loans Designed for Real People We work with a network of trusted lenders that specialize in bad credit financing. This means more opportunities for approval and better terms tailored to your unique situation. Whether your credit is low, nonexistent, or recovering from bankruptcy, we’re committed to finding a loan that works for you. We have picked the right lender for you. Click the link below and find the MyAutoLoan and click to apply. MyAutoLoan
Got Good Credit? Here is How You Can Score Lower Auto Financing Rates
Whether you’re buying your first vehicle, upgrading to a newer model, or refinancing your current auto loan, your credit score can be your biggest asset. And the good news? We work with an auto financing company that rewards responsible credit history with some of the most competitive rates available. Why Good Credit Matters in Auto Financing Your credit score plays a major role in determining what kind of interest rate you’ll qualify for when applying for an auto loan. Lenders see good credit as a sign that you’re reliable and financially responsible — which means they’re more likely to offer you a lower interest rate. Lower rates don’t just sound nice — they can save you hundreds or even thousands of dollars over the life of your loan. We Partner with the Right Lender for You Not all lenders are created equal. Some specialize in high-risk loans with high rates, while others focus on working with creditworthy borrowers. That’s where we come in. We’ve partnered with a trusted auto financing company that understands the value of good credit — and they’re committed to helping you leverage your credit score for real savings. Their rates are competitive, their approval process is quick, and their service is designed with your convenience in mind. What You Can Expect: ✅ Lower interest rates for borrowers with good to excellent credit.✅ Fast and easy pre-approval without impacting your credit score.✅ Flexible terms to fit your monthly budget.✅ No hidden fees or surprises — just honest, upfront financing. How to Get Started Click on the link below and scroll down to find My Auto Loan. My Auto Loan
Answering Credit Report Questions
At The Credit Bureau, we’re passionate about helping you understand your credit report.Our team is here to answer your questions and guide you through smart strategies to take control of your credit report. We believe credit education is a powerful, and we’re committed to going the extra mile for you. By registering at monitoryourreport.com, you’ll get access to your credit reports and scores from all three major bureaus—TransUnion, Experian, and Equifax. The program also includes: Ongoing phone support A $1 million identity theft insurance policy to protect you in case of fraud Here’s how to get started: Subscribe to credit monitoring:Visit this link to sign up. It’s just $.80 for the first week, then $29.95/month. Create your login and passwordSo you can access your reports anytime. Schedule your support session:Book a one-on-one meeting here: https://meet.brevo.com/thecreditbureau During your session, we’ll review your credit report and answer any questions.. Let us help you take the guesswork out of the credit report.
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/