Improving Your Credit Report After Identity Theft
By admin • Mar 18th, 2009 • Category: Credit Card Theft and Fraud, Identity Theft Protection, Identity Theft Victims, Lead Story, LifeLock
One of the steps that you must take after you have found that you have been the victim of identity theft is to get your get your credit report back in order. Unfortunately, one of the effects of having been the victim of identity theft is that your credit report will be out of order. By that is meant that you can have erroneous entries on your credit report. Moreover, your credit score will not be at the level that it should it be – that it would be had you not been the victim of identity theft.
The reality is that once you have discovered that you have been the victim of identity theft you must contact the three major credit reporting agencies. The first step that these agencies will take is to put a fraud alert on your credit report so that no further fraudulent transactions can occur involving your accounts and your credit report.
After you have taken the immediate action that need to be undertaken in the aftermath of identity theft, you then need to file specific reports with each agency pertaining to the erroneous information an individual credit report. Normally this takes the form of an affidavit on which you assert that a particular entry or entries within a credit report are the result of you having been the victim of identity theft.
While it can take some time for the incorrect entries to be corrected and removed from a credit report, when it is done you will be able to see an improvement in your overall credit report and credit score. You will be able to get your credit report back into the position that it would be in had you not been the victim of identity theft. Obviously, you necessarily desire to get your credit report back in the position that it should have been in had you not had to face the prospect of identity theft.
You do need to keep in mind that you need to be persistent when it comes to cleaning up and correcting your credit report following having been the victim of identity theft. While it is regrettable, there are instances in which reports filed in the aftermath of identity theft can fall through the cracks. However, by staying on top of the situation you will be able to ensure that your own credit report with each of the agencies gets corrected and cleaned up as soon as possible.
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Improving Your Credit Report After Identity Theft…
The reality is that once you have discovered that you have been the victim of identity theft you must contact the three major credit reporting agencies. The first step that these agencies will take is to put a fraud alert on your credit report so that …
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If you find that you have been a victim of identity theft, you need to act fast. Get your credit report as soon as possible to find out if there is anything that you have missed. There are people who have been victims of credit card identity theft, realized, stopped that card but done nothing about stopping the other cards or even checking the transactions!
Don’t make it easy for identity thieves, buy a shredder and use it (point number 1). Don’t carry what you don’t need in your wallet or your purse (point number 2). Learn how to avoid identity theft, it can take a little as an hour each week to stay safe (final point)
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