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How Do I Remove Identity Theft From My Credit Report?

Removing Identity TheftIdentity theft is something that most of us think about at some point in our lives. Unfortunately, identity theft is something that is way more common than we think. It affects 1 in 3 Americans at some point in their lives.  1 in 3. Those are not great odds, my friend. So, it becomes extremely important to learn what to do if this happens to you.

There are a few simple steps to take once you realize you have been a victim of identity theft. Breaking these steps down into small tasks makes the tragedy of identity theft much more manageable. The biggest thing to do once you realize you have been a victim of identity theft is to remove identity theft from your credit report.

 

 

Here are the steps to take to remove it from your credit report once and for all:

  1. File a report with the credit agencies
  2. Alert the police
  3. Dispute fraudulent accounts
  4. Dispute fraudulent transactions
  5. Place a fraud alert/credit freeze 

File a report with the credit agencies:

The biggest step in getting fraudulent transactions removed from your credit report is by telling the credit agencies themselves! The three main credit agencies, Experian, Transunion, and Equifax can all be alerted of identity theft by sending a letter in the mail.

You can get a free sample letter to send to each credit bureau, as well as their contact information right here!

This is great because once reported, you will have a report for your records indicating you were a victim of identity theft. 

Alert the police: 

Letting law enforcement know that you were a victim of identity theft is very important as well. Though it may not result in removing the effects of identity theft off of your credit report it will, again, provide a paper trail of the incident.

Here is some additional information on why it is so important to file a police report when you have been a victim of identity theft.

Dispute fraudulent accounts:

Identity thieves sometimes like to open new accounts in their victim’s names. Yep, they become dissatisfied with the amount they are able to steal and take their criminal acts to the next level.

Once you determine which accounts were opened fraudulently, you can go straight to the banks or creditors and dispute the accounts that were opened fraudulently in your name. Cancel debit or credit cards, and notify the banks of the identity theft on your credit report.

Dispute fraudulent transactions: 

Disputing fraudulent transactions can be a tedious task. Often times, identity thieves run up tons of bills in your name with many different transactions. Be sure to request statements from your bank so you can break down every transaction you do not recognize.

It may be beneficial to get a print out of bank statements and bills and highlight all fraudulent transactions, so you can make sure every transaction gets properly reported.

Place a fraud alert and credit freeze: 

Make sure no one else can attempt to open accounts in your name. A great way to do this is to place a fraud alert and credit freeze on your accounts.

You can place a fraud alert by contacting one of the three main credit bureaus. If you place a fraud alert at one credit bureau, it will by default, alert the other two.

Experian provides some great information on how to place a credit freeze. You can call or send notification by mail to the main credit bureaus. A credit freeze means that no one can complete a credit inquiry without your personalized PIN number.

So, be diligent in reporting the fraud on your credit report, and over time, your credit report will bounce back.

For assistance with credit repair and building your credit score, contact Credit Absolute for a free consultation. 480-478-4304

 

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Doug Donaldson
Doug Donaldson
06:13 21 Dec 19
I noticed a few changes on my credit report that had lowered my score which concerned me and after looking at reviews online I decided to set an appointment with Derek at Credit Absolute. I was fully expecting to spend hundreds of dollars for his advice on what I should do to get it back up to where I had it. After consulting with him and looking in depth at my report, he gave me some tips and helped me understand how the 3 bureaus work and what I could do to increase my score. Best of all..... he didn't charge me a penny. Derek is an honest guy, running an honest business, and if you are looking to build your credit score then he is the guy to turn to. It was about a year ago that I met with him and my score is up over 90 points. 10/10 would recommend Derek at Credit Absolute!
Ashley Krolak
Ashley Krolak
21:58 25 Nov 19
Thank you to entire team at Credit Absolute! We have accomplished so much in a short amount of time. They have helped my whole family increase our scores. They are organized, helpful and get the job done all while teaching you helpful hints along the way. I highly recommend this company for any credit needs.
dan uyematsud
dan uyematsud
21:29 13 Nov 19
Simply the BEST!!!!!!! Derick, Felicia and Becky are extremely good at their job. They work very hard to teach one how to improve their credit as they work very hard on their end to build your credit. I am very pleased as I see my credit score increasing in a short period of time. Thank you again, Dan U
nestor victore
nestor victore
22:14 04 Nov 19
You guys have done an amazing job, I'm very happy with my score has improved over 100 points. I'm happy with you guys services and help, thanks.
Tina Abbott
Tina Abbott
02:07 01 Nov 19
My experience with Credit Absolute has been nothing but wonderful! The entire staff are very knowledgeable and understanding. Felica is the one of the nicest people.
Christopher Moore
Christopher Moore
15:10 03 Oct 19
Communication with Derick and the team couldn't be better. I spoke directly to Derick and he was upfront, honest and didn't waste time. I would certainly recommend Credit Absolute to anyone who is looking into credit repair. They'll give you an honest overview of where you are and what they can do to help you reach your goals!
David Burgess
David Burgess
19:02 20 Aug 19
Derick and his team have been extremely helpful and informative throughout this entire process. I would recommend to anyone who wants/needs to repair credit quickly! Worth more than the money without question!
steve moore
steve moore
23:32 16 Aug 19
Derick and his team were awesome! I would highly recommend their services if you are looking to refurbish your credit score!!! +A all around for his team and the willingness to help me out !
Zacary Roberts
Zacary Roberts
03:00 26 Jul 19
Felicia helped me out so much, the company is professional l, but they treat you like your their only client. They are thorough and honest and my credit score has gone up remarkably ever since I started working with them. Thank you so much!
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Chris Gunn
18:50 25 Jul 19
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Christy Russell
Christy Russell
15:37 25 Jul 19
This company provides a great service! Friendly staff, plain-spoken, direct, no nonsense. They really make you feel like they care. Simple and straight-forward approach. They analyze your credit report and quickly make a plan to step-by-step repair any flags. I highly recommend their program.
Christian Wunder
Christian Wunder
19:35 18 Jul 19
They have been great to work with. Going on 3 months now and my score has taken a huge jump. I've had items removed from my credit and every month we go over our strategy to maximize the improvements. Highly recommend :)
Baron Adelmann
Baron Adelmann
21:59 26 Oct 17
Derick and his team have helped me tremendously! He explains the process of improving your credit and does all of the work for you! My credit score has improved drastically and I know that I couldn't have done it without the help of Credit Absolute. Because of them, my business has continued to thrive in a way I never thought possible. Thank you Derick and the Credit Absolute Team!
Gabriela Lovelace
Gabriela Lovelace
23:17 30 Jun 17
I want to thank the wonderful team of Credit Absolute for all the work they did in help me clean my credit! They have teach me how to keep my credit clean and how to make it grow! I will be their customer for life and I recommend to anyone who needs help with their credit! Credit Absolute you are awesome!!!!
Sho Sho Smith
Sho Sho Smith
22:31 16 Feb 17
Derek just made my day when I thought my credit was being compromised due to a balance on my late husband's credit card. He checked it out my credit health and assured me that I lost no points and the balance was forgiven. Great news! He gave me pointers on how to get my credit score even higher to put me into the premium level and coached me on getting back on my feet, credit-wise, after my husband's death. A great experience!
Vanity Hernandez
Vanity Hernandez
20:15 19 Jul 16
I was referred to Derick when my credit score dropped 3 points as I was in the process of trying to get a mortgage loan. Derick gave me GREAT advise and also helped confirm all the credit myths I have overheard on how to improve your credit score. Not only did he give me advise, he not once tried to have me hire him like others usually do. Derick was genuine and that's hard to come across with business. :)
Ian Farruggio
Ian Farruggio
19:29 05 Jul 16
Derek was completely professional and offered helpful suggestions to help me improve my credit. He was honest, in that his services were really not needed and helped to point me in the right direction free of charge. If you have any questions regarding your credit, this is the only place to go!!!
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