I am listing some of the most FAQs. We will post more tomorrow. Please let us know if you have questions or suggestions by either commenting, calling or sending us an email.
Why doesn't the identity theft method work on all negative accounts?
To use the ID theft method, a few criteria have to be met and a few types of accounts cannot be disputed:
- The account cannot ever have been paid on
- You cannot dispute child support, foreclosures or tax liens
- (If you have not been a victim of ID theft, you may be sued for filing a false report)
- Unless it is truly ID theft, you do not want to dispute bankruptcy this way
- Charge-offs cannot be disputed this way, unless it is true ID theft
This method is very effective, but it does not work on all accounts. For a full list and examples of situations that may occur please inquire directly from us.
What can I do if the bureaus don't respond or delete within the allotted time frame of 30 business days?
We take care of this for you, as we do everything on your behalf. The CRAs have 30 business days to either respond to your disputes or to delete the unverified items. If the bureaus do not respond within this time, or the items or not deleted, we send a second round using a more stern approach when they are violating the FCRA. There are different letters for each situation, so we tailor them to your specific needs. After the third and final written request, we send an intent to sue. Pursuant to the FCRA, if the bureaus do not send proof of verification within this time frame, the unverified items MUST be deleted.
Why don't all 3 of the bureaus delete my accounts? Why did they only come off of 2?
For the most part, you will receive results back from each of the three credit bureaus. There has been an occasion that one of the credit bureaus will ignore your request to investigate your credit report. This may be a stall tactic on their part. Keep in mind they don’t make any money by investigating your items on your credit reports. So there is no real benefit to them to do this, only a benefit to you! If this does happen, and you have waited at least 60 days from the date that you mailed the original letters/documents to them, then please forward what you did receive from the other two credit bureaus and call our office to advise us of the situation. We will note your file and take a stronger stance on the next action and will not let the credit bureaus get away with it!!
Can I do the ID theft if I have ever mad a payment?
Please see question #1. If you are claiming ID theft, then no payment can ever have been made on that account. Think about it- if someone used your identity to open an account, why would you have paid on it?
If I have a file that is already started, can you finish it?
You would need to forward to us all the paperwork that pertains to the file. This includes but is not limited to:
- All dispute letters
- Proof of mailings
- Correspondence from the bureaus
- Correspondence from any creditor or collection agency
- Id theft report if applicable (police report and FTC report)