When you have resolved the fraudulent account with the creditor, ask for a letter stating that the company has closed the disputed account and has discharged the debts. You may need it if the account reappears on your credit report.
You must also notify the credit bureaus about the fraudulent accounts. Handling problems credit checking Dayton with your existing credit or debit accounts. If your existing credit or debit accounts have been used fraudulently, report it in writing immediately to credit checking Dayton the credit card company. Request replacement cards with new account numbers. get a free credit report online
In addition to phoning the credit card company regarding the fraud, you will need to follow up in writing and will likely be asked to provide a fraud affidavit or a dispute form. Send the letter to the address given for "billing inquiries," not the address for sending payments.
Carefully monitor your mail and bills for evidence of new fraudulent activity. These should not be your mother's maiden name or any word that is easily guessed. credit check reports
Debt collectors. If debt collectors try to get you to pay the unpaid bills on fraudulent accounts, ask for the name of the collection company, the name of the person contacting you, phone number, and address. Tell the collector that you are a victim of fraud and are not responsible for the account. Ask for the name credit checking Dayton and contact information for the referring credit issuer, the amount of the debt, account number, and dates of the charges. Ask if they need you to complete their fraud affidavit form or whether you can use the FTC affidavit. Follow up by writing to the debt collector explaining your situation. online credit score Ask that they confirm in writing that you credit checking Dayton do not owe the debt and that the account has been closed. Under new provisions in the FCRA, a debt collector must credit checking Dayton notify the creditor that the debt may be a result of identity theft.
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