Credit Card Center Advertiser Disclosure†
02-24-2013 07:02 AM
ok so some one opened a cc in my name in 07 which it became a charge off in 2007 but long story short i have disputed it and had success in 2011 with 1 csr but the company says since my name and an address that i lived at in 2002which was years b4 this account was opened its verified on 2 of my csr now i notice 1 csr reports charg off 2007 the other reports chorge off 2009 how is this possible and should i just get or can i still get a police report and send my drivers license with my address since 2003 to current and social or how should i handle this please help
02-24-2013 07:06 AM
02-24-2013 07:09 AM
You can can try calling your local police department and see if you can file. Im just concern they won't do it cause its been almost 6 yrs and they will probably tell you why this wasn't handled at that time. Have you asked how the account was open? internet app? mailed in app with signature?
02-24-2013 07:45 AM
i spoke with the company who said it was done over the phone from a number i never heard of and there was no app done and besides that i just found out about it in 2011 which is when i first started to dispute but i didnt know what i know now thanks to my fico forums
02-24-2013 10:42 AM
All you need in order to file a police report is a showing that it is in your CR, and thus damaging your credit, and willingness to assert under oath that you never authorized the account. Passage of time does not negate that need, as unless one pulls their CR regularly, substantial time could pass before they even become aware of the harm.
Your credit is currently suffering harm, and a police report is needed to invoke the identity theft provsions of the FCRA.
A police report is needed by statute to enforce your rights under the FCRA to get that information blocked from your credit report.
If the police decline to take a report, it is most likely because they dont understand the statutory need on your part, and are not viewing the identity theft issue from the needs of the consumer. Just call your state AG, who understands the need, and they will almost certainly contact the police agency and instruct them to take your report.
02-24-2013 04:11 PM
thank so much im gonna give them a call
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.