topic Re: Need some help after identity theft in Understanding FICO® Scoring

Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 08:12:57 GMT

Hi y'all!
I'm hoping someone may be able to point me in the right direction..I've searched all over these threads but I can't seem to find anyone with the same issue!

Back story:
I was a victim of identity theft around 2003. Lets just say I've learned if I don't have cash for something I don't need it! I have never had a credit card or a mortgage. Someone DID have a vehicle repossessed in my name back in 2005 but the balance was 10k and fell off while ago. I did try to pay off what this person (who also got a driver's license issued with my info/her pic after I was mugged my 2nd day after moving from Boston to Texas) I only got my actual identity back in 2009.

Since then I've owned a business (also debt free as far as credit cards etc goes) although throughout the years things would randomly pop back on my credit report and after YEARS of dealing with the incompetent bureau's I just paid them. One was a wage garnishment almost 10 years after the fact(chick went to a base hospital and that's the department of defense & they don't care if it was you or not even if you have proof) also worth mentioning I had Lifelock from 2002 until about 2 months ago and they did NOTHING.

So last when I checked lifelock 2 mo ago I could see 3 credit scores. I understand they are vantagescore 3 but fast forward to 3 weeks ago and I had someone run a mortgage inquiry on me and they couldn't find ANY credit scores on me. So I tried to first sign up for Experian for the 3 Bureau monitoring plan..gave my credit card number and then got an alert that they weren't able to generate a score for any of the bureau's and that my card would not be charged?

Ok so I tried my fico same thing enter credit card and same message..credit card won't be charged as no scores could be calculated.

Now the strange part..in 2016 I signed up with rent plus through my apartment leasing office and they report monthly to Transunion and Equifax that I've paid my rent. If I pull my credit report I can see the history of a trade line showing never missing a payment?! I also see with Equifax and Transunion credit reports the payments being reported(well transunion is late but they seem late on everything) both these 2 show 1 active account (the rent reporting) and all 3 show student loans paid off in 2014.

Now Experian I understand why they wouldn't show a score but what about the other 2?

I called Transunion and the guy told me he sees a score for me (vantage 3?) And when I asked why no one could find a FICO score for me he said he didn't know because he had a score. Then he said something about sending my history out for "file maintenance"?? He said in the past creditors may have submitted variations of my social security number as well as variations of spelling of my name so that would cause anyone trying to pull my information to not be able to get it from Transunion?

This all makes no sense because OF COURSE there was someone using my identity but I have busted my ass to make sure I got all her crap taken care of and either paid, let fall off or removed BUT this still does NOT explain why the other 2 bureau's have no credit score for me either?!

PLEASE if anyone can help point me in the right direction..I recorded the call to Transunion because I've dealt with these asshats too many times before and learned unless you get proof someone told you something your out of luck! I have gone back over the call and none of this makes sense what he said..

I'm trying to run my small business (which Google has not make very easy lately) working 18+ hrs a day and when I am finally done none of these people are open so any advice or help understanding what the hell is happening would be so amazing and appreciated more than you know!!

Re: Need some help after identity theft

Jnbmom — Mon, 24 Jun 2019 06:31:58 GMT

You really need to break this up in paragraphs, that is entirely to hard to read and follow.

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 07:55:35 GMT

Maybe try ordering from myFico or TransUnion rather than Experian. I like Experian myself, but if it’s not working for you try something different.

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 08:09:37 GMT

Thank you both for your replies. Apologies it was spaced on my cell but posted all together I'm sorry it didn't post right!

I did order from my FICO and got a message saying my card wouldn't be charged because no score could be found?

Re: Need some help after identity theft

Jnbmom — Mon, 24 Jun 2019 08:11:53 GMT

@Anonymous wrote:
Thank you both for your replies. Apologies it was spaced on my cell but posted all together I'm sorry it didn't post right!

I did order from my FICO and got a message saying my card wouldn't be charged because no score could be found?

No worries, it is just hard to read.

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 08:13:43 GMT

I edited it hopefully it posted correct for y'all too?

Re: Need some help after identity theft

Jnbmom — Mon, 24 Jun 2019 08:32:16 GMT

@Anonymous wrote:
I edited it hopefully it posted correct for y'all too?

Much easier to read

Hopefully someone with more experience in that area will reply soon.

Re: Need some help after identity theft

MrCreditInternational — Mon, 24 Jun 2019 11:12:17 GMT

Maybe try ordering your score from EQ? I think they have an online service like EX.

Also why haven't you frozen all your reports?

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 11:39:31 GMT

I attempted to log into EQ but it gave me an error about not being able to verify my identity online (this was just last night) so I have to wait to call.

Why would I freeze my reports??

Re: Need some help after identity theft

MrCreditInternational — Mon, 24 Jun 2019 16:52:25 GMT

You freeze them so no one can get a new CC/mortgage/loan using your name

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 16:59:21 GMT

No one CAN that's the point..there are no scores at all.. no one can see or pull scores

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 17:39:42 GMT

EQ has been having some issues lately. I've been able to login or request reports in the past but the last couple of months they've been acting up and wanting an ID Affidavit of sorts.

Then again I might have done it to myself by disputing off a lot of old personal info to clean up some of the identity questions I've been getting from apps recently. I scrubbed TU/EX as welll and don't have the same issue there so, leads me to believe EQ is just being stubborn. Not to mention they're still getting hammered from the breach from a couple of years ago.

I think the issue you're running into though is lack of reporting from creditors i.e. banks for the past few years. It might take a SSL or secured card reporting for 6 months to get things up and running again.

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 19:28:11 GMT

Obscure-expert, thank you!

So I know this may be against what y'all here do, but I have worked hard to be 34 and to own my own business and be debt free after having my identity stolen!

While I am never planning on getting a loan of any kind my concern is strictly trying to keep a valid credit score for the "what if's" in life lol

I just don't understand this and can't find any references online anywhere with the same issues!

If I can see the payments all the boxes in my credit reports are green from the 1st month I started the service with my rental apartment (March 2016) and it shows "open" trade line "line of credit" and its been reported since 2016 until May 2019. Has balance $0 but says open, paid on time never late.

There is also still $660 from this person that stole my identity's collections(medical bills) that I REFUSE to pay and these debts shows up on EQ and TU as well as the open line of credit aka "trade line"..shouldn't there be a score of some kind with at least those 2??

I'm getting NO WHERE with calling all 3 bureau's support people and they all point the finger and blame another one this is MADDENING! I mine as well just let that stupid girl keep my identity and saved myself all that work of paying off her 300k in debt and having to get her fingerprints taken off my SSN and name etc!

Re: Need some help after identity theft

Anonymous — Mon, 24 Jun 2019 22:27:07 GMT

While it would seem you would have a CS / FICO you don't have bank initiated TL's that are reporting. Utilities i.e. rent don't count outside of the enhancements / boosts that have just been formulated within the last 12 months.

You need something along the lines of an SSL which can be as low as $500 and pay it down immediately to 8.9% or lower to generate a score and score an installment point boost in the process. Then after you generate a score you can look into CC's whether secured or not.

I understand the frustration of the time, effort, and money put into killing off your dopple ganger but, neither of you have initiated TL's that report and generate a score. If the theif has stopped trying to use your reports for her own gain then it's time to start being you again and initiate some credit transactions to get where you thought you were already.

https://www.doctorofcredit.com/strengthen-credit-installment-loan-using-secured-loan-technique/

While Alliant doesn't do it any longer there are other CU's that do. For instance JFCU offers a similar product where you can use the same technique.

Share Secured Loan https://jfcu.org/PersonalLoans

If you need help finding a CU or bank that offers it Google is a good resource... if you want to bounce and idea off someone come back here