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Hi Everyone,
There is a AMEX card that I DO NOT have or ever opened an account with them. This accound is being reported on my Experian credit file as having a balance and all payments are on time but I got an alert that the balance has been increased recently which reduced my score about 10 points. (utilization went from 10 to 20 percent i think)
Whats the best process to use to Dispute that I don't even own this account? There is another card that's from Citi thats being reported that I don't even recall having opened an account with them but shows a balance of under 2k but all payments are on time. I'm suspicious that someone in my family has perhaps opened an account with either my name or SS.
Thanks!
A dispute will be referred to the reporting creditor, and they may verify based on whatever info caused them to believe it is your account.
Instant credit report blockage can be obtained by filing a police report asserting that you never authorized the account, and sending a copy to the CRA along with prooff of your identity. No creditor involvment.
See the sticky posts describing the identity theft process for details.....
Okay, Thanks Robert. I'll check out the stickies regarding the issue