Question : credit fraud, i had my identity stolen how do i get credit?
Okay my wallet was stolen like 6 yrs ago found out a woman was using my identity in another state possibly an illegal immigrant, so i immediately called experian, and equifax and got a block on my SS#, but now i realise that i really need to get credit, and wondering how can i get credit, do i have to unblock my SS#, can i even do that, can i get credit with my social security blocked?
- asked by ~confused~
All Answers:
Answer #1
Your ss# questions are something that can only beanswered by the Social Security Administration!You need to enroll in a credit monitoring servicelike Equifax 3 in 1. You can get a free copy ofyour credit report, but I know you are going tofind errors and negative items you MUST disputeand challenge for removal! A free report is onlygood once a year and for 30 days and you are goingto need to access your reports longer thanthat!I've been through ID theft myself and afterbankruptcy I still got my score up from amiserable 486 to a 730 in a little over a year, soI know about this subject well!Go to my websiteand read it all because I uncover scams and fraudsas well as methods to dispute negative items. thisis something you can do yourself! Good luck toyou! No one should have to go through this, but ithappens! I have one real hope for my website, andthat is that is does help people like you and me!Orchard Bank would be a good credit card for thissituation once you put a fraud alert on yourcredit file! The phone numbers to do this for all3 credit bureaus are on my site too!
- answered by Duane
Answer #2
It sounds to me like you have a security freeze onyour information. You can get new credit, butyou'll have to unfreeze your credit first. It'snot hard to do but will cost up to $10 at eachcredit bureau (depends on your state). It's alsogoing to take a week or so to get it done.
- answered by Ceebee
Answer #3
Here are some resources to check out in additionto contacting experian & equifax:Steps to followwhen you are a victim of identity theft (also hassome contact info):
http://identity.privacymatters.com/identity-articles/identity-theft-prevention2.aspxSomething tokeep in mind: Keep a written record of everycommunication you make. Log it all – every phonecall, email, letter or conversation. You may needproof that you followed proper identityrestoration procedures if creditors or creditbureaus don’t cooperate.Good luck, hope thishelps!
- answered by privacymatters123
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