https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NATIONAL-ARBITRATION-FORUM-please-help/m-p/285679#M15097 <DIV>Can someone please help me!&nbsp; I received a letter from National Arbitration Forum&nbsp; in regards to Applied Bank Credit card. I disputed this account with the OC because it was a fraudulent account.&nbsp; I don't know what to do now. The OC said that did an investigation and stated that it was my account. I don't know who used my information and&nbsp;I made a police report . &nbsp;I keep going back and forth with this company.&nbsp; Because of this my score has dropped a lot.&nbsp; Should I just settle with them so they I can bring my score back up. I was also told that if I pay them off that it would just show paid collection. Please Help!!!! I don't want to a judgement against me.</DIV> Thu, 10 Jul 2008 02:12:33 GMT Anonymous 2008-07-10T02:12:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NATIONAL-ARBITRATION-FORUM-please-help/m-p/285679#M15097 <DIV>Can someone please help me!&nbsp; I received a letter from National Arbitration Forum&nbsp; in regards to Applied Bank Credit card. I disputed this account with the OC because it was a fraudulent account.&nbsp; I don't know what to do now. The OC said that did an investigation and stated that it was my account. I don't know who used my information and&nbsp;I made a police report . &nbsp;I keep going back and forth with this company.&nbsp; Because of this my score has dropped a lot.&nbsp; Should I just settle with them so they I can bring my score back up. I was also told that if I pay them off that it would just show paid collection. Please Help!!!! I don't want to a judgement against me.</DIV> Thu, 10 Jul 2008 02:12:33 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NATIONAL-ARBITRATION-FORUM-please-help/m-p/285679#M15097 Anonymous 2008-07-10T02:12:33Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NATIONAL-ARBITRATION-FORUM-please-help/m-p/285713#M15101 <DIV></DIV> <DIV><BR /> <BLOCKQUOTE> <DIV> <HR /> PEACHES01 wrote:<BR /> <DIV>Can someone please help me!&nbsp; I received a letter from National Arbitration Forum&nbsp; in regards to Applied Bank Credit card. I disputed this account with the OC because it was a fraudulent account.&nbsp; I don't know what to do now. The OC said that did an investigation and stated that it was my account. I don't know who used my information and&nbsp;I made a police report . &nbsp;I keep going back and forth with this company.&nbsp; Because of this my score has dropped a lot.&nbsp; Should I just settle with them so they I can bring my score back up. I was also told that if I pay them off that it would just show paid collection. Please Help!!!! I don't want to a judgement against me.</DIV><BR /> <HR /> </DIV></BLOCKQUOTE>If you made a police report, go to <A href="http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html" target="_blank">http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html</A> <DIV>&nbsp;</DIV> <DIV>It list the steps to complete and has sample letters. </DIV> <DIV>&nbsp;</DIV> <DIV>Fill out a ID theft affidavit and send copies of everything with the sample letter or one similar to the CRA, creditor, etc. </DIV> <DIV>&nbsp;</DIV> <DIV>Once you send all the required documents to the CRA, they konw there are certain procedures that they must follow. Read the FCRA regarding ID theft. </DIV></DIV> Thu, 10 Jul 2008 02:46:37 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/NATIONAL-ARBITRATION-FORUM-please-help/m-p/285713#M15101 Anonymous 2008-07-10T02:46:37Z