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Frequent Contributor
Posts: 326
Registered: ‎09-28-2011
0

Fresh Start and Identity Theft

I have to start all over!

FICO
Equifax - 786 (05/13)
Experian - 782 (04/13)
Transunion - 791 (05/13)
Established Contributor
Posts: 1,045
Registered: ‎12-30-2007
0

Re: Fresh Start and Identity Theft

Huh?

 

What happened? I'm guessing Identify Theft, how did it happen etc? I'm guessing you already notified the credit bureaus, credit card providers, authorities etc..

 

I'm so sorry to hear that..Has to be very hard!!

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Frequent Contributor
Posts: 326
Registered: ‎09-28-2011
0

Re: Fresh Start and Identity Theft

I have to get a new Social Security number

FICO
Equifax - 786 (05/13)
Experian - 782 (04/13)
Transunion - 791 (05/13)
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Fresh Start and Identity Theft

Can you provide your new social to your current creditors so that your info that is accurate gets put into the new file?

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
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Established Member
Posts: 16
Registered: ‎07-03-2011
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Re: Fresh Start and Identity Theft

So sorry you are going through this.  I had a family member that went through it.  Sending good blessings your way!

 

7/9/12 EQ 681
6/21/11 EQ 582
Bk- Oct '04
*slowly but surely...
*the choices i make today affect my credit score tomorrow..
*Can i buy an 850? If I can, put it on my Orchard card...
Frequent Contributor
Posts: 326
Registered: ‎09-28-2011
0

Re: Fresh Start and Identity Theft

yea i can but some of them have lates on them so should i just start over? my credit file is only a year deep?

FICO
Equifax - 786 (05/13)
Experian - 782 (04/13)
Transunion - 791 (05/13)
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Fresh Start and Identity Theft

I'm not sure. You can start fresh and it probably wouldn't hurt. You can close all current accounts and open a new card to get you going again.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 326
Registered: ‎09-28-2011
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Re: Fresh Start and Identity Theft

i already got a plan to start over though picked up a bunch of applications. going to get secured cards listed below

 

USAA- $5000

Wells Fargo- $10000

US Bank- $5000

Capital One -$3000

Bank Of America- $4900

Applied Bank-$5000

 

FICO
Equifax - 786 (05/13)
Experian - 782 (04/13)
Transunion - 791 (05/13)
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Fresh Start and Identity Theft

That would set you up nicely if they are all approved.

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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Frequent Contributor
Posts: 326
Registered: ‎09-28-2011
0

Re: Fresh Start and Identity Theft

right but most of the time secured cards are approved plus im pulling my 25,000 chase auto loan over from my other social that has been open since december

FICO
Equifax - 786 (05/13)
Experian - 782 (04/13)
Transunion - 791 (05/13)

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