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IDENTITY THEFT || ADDITIONAL FACTS

Checklist - Identity Theft Prevention PREVENTION REPAIRING BAD CHECKS SAMPLE LETTERS
Checklist - Identity Theft Victims ID THEFT RESTORING CREDIT PC SECURITY Checklist - Identity Theft Victims' Home Computer Security
ID THEFT LINKS ADDITIONAL FACTS STEP BY STEP Checklist - Identity Theft Prevention, Restoration, Repair
ID THEFT AFFIDAVIT   RETAILERS Checklist - Merchants and Retailers Prevention Checklist

Most credit grantors report credit information to all three national credit agencies and will notify them of the identity theft problem. But don't count on them. Contact each of the national credit agencies personally. This will insure that you have the opportunity to review all credit information currently being reported.

It is important that you contact each credit grantor (such as MasterCard, Visa, etc.) to complete the necessary documentation for their identity theft investigation process. The credit agencies (Equifax, Trans Union, Experian) will verify the claimed fraudulent information with the credit grantor. Please note: If the credit grantor has not received the documents from you, they may not be aware of the identity theft activity, and could potentially return the verification request to the credit reporting agencies stating that the account is reporting correctly. This is a bad thing. So always contact the credit grantor with your identity theft allegations first.

Read the sections on how to protect your credit, and prevent credit theft.

FRAUD ALERT REMOVED

To have a fraud alert temporarily or permanently removed from your credit file, identification information, such as a copy of your driver's license or utility bill reflecting your current address, along with a copy of your social security card, must be provided.

DUPLICATE ACCOUNTS

There may appear to be duplicate accounts reporting in your credit file. Please review it carefully as some credit grantors issue both revolving and installment accounts using similar account numbers. Another reason why an account may appear to be reported twice is that when you move, some credit grantors transfer your account to a different location and issue a new account number.

DIRECT MARKETING

Many companies market consumer products and services by mail. If you want to reduce the number of direct marketing mailings, you can write to the following:

Direct Marketing Association
Mail Preference Service
P.O. Box 9008
Farmingdale, N.Y. 11735-9008

To request that your name be removed from Direct Marketing Association member lists, include your complete name, full address, and signature.

INFORMATION RELEASED

Name, address, and Social Security Number information may be provided by credit bureaus to businesses that have a legitimate need to locate or identify a consumer.

PAYMENT HISTORY REMOVAL

Payment in full does not remove your payment history from your credit file. The length of time information remains in your credit file is shown below:

Credit Accounts
Accounts paid as agreed remain up to 10 years
Accounts not paid as agreed remain for 7 years

Collection Accounts
Remain for 7 years

Courthouse Records
Remain for 7 year from the date filed except:

BANKRUPTCY

Chapters 7 and 11 remain 10 years from the date filed.

Chapter 13 non-dismissed or non-discharged remain for 10 years from date filed.

Unpaid Tax Liens
Remain indefinitely

Paid Tax Liens
Remain for up to 7 years from the date released

California Residents
All tax liens remain for 7 years from the date filed

NY State Residents
Satisfied judgments remain for 5 years from the date filed.
Paid collections Remain for 5 years from the "date of last activity."

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