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Recent amendments to the FCRA (§623(6)(B)) allow you to prevent businesses from reporting fraudulent accounts to the credit bureaus. Creditors will likely ask you to fill out fraud affidavits.

The FTC provides a uniform affidavit form that most creditors accept, http://www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. No law requires affidavits to be notarized at your own expense. You may choose to substitute witness signatures for notarization if creditors require verification of your signature. Ask the credit grantors in writing to furnish you and credit checking Tyler your investigating law enforcement agency with copies of the documentation, such as the fraudulent application and transaction records. all three credit reports free Both federal and California law give you the right to obtain these documents. The California Office of Privacy Protection credit checking Tyler provides instructions and sample letters on how to obtain documentation from credit grantors, www.privacy.credit checking Tyler ca.gov/cis3aenglish.htm A victim of identity theft must provide a copy of the FTC affidavit or another credit checking Tyler affidavit acceptable to the business, plus government-issued identification, and a copy of an "identity theft report" (police report) in order to obtain the documents created by the imposter. credit report and score for free The business must provide copies of credit checking Tyler these records to the victim within 30 days of the victim's request at no charge. The law also allows the victim to authorize a law enforcement investigator to get access to these records. 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 credit checking Tyler the account reappears on your credit report. You must also notify the credit checking Tyler credit bureaus about the fraudulent accounts. Handling problems with your existing credit or debit accounts. If your existing credit or debit accounts have been used fraudulently, report it in credit checking Tyler writing immediately to the credit card company. report credit free