Scores after information removed due to identity theft?

[Anonymous]

I recently applied for a mortgage and was told my score was in the mid-500s.. After reviewing the report, I noticed 8 accounts that I had never even heard of! One was with Sprint that was turned over to collections but I’ve had AT&T for the past 10 years. I was beyond shocked. Anyhow, I filed a complaint with the FDC and had an Identity Theft Affidavit notarized. I mailed a letter with all the unknown accounts, the affidavit, police report and copies of my IDs and recent utility bill. I read that they have 4 days to “block” this information but what exactly does that do for your score?

I came across a similar post that said her scores went from 500s to 700s after it was removed. Anyone else have similar success stories with this? Are the bureaus just blocking the information for good or actually taking it off of the report? I’ve even researched getting a dang new SSN. I’m a government employee and OPM just had a huge data breach so there is no telling just how this happened or if it will happen again.. it is a crazy feeling.

[RobertEG]

The blocking provision of FCRA 605B prevents the CRAs from including the information covered in the identity theft (police) report in any credit report they issue, which also removes it from scoring.

The CRAs nust block the information no later than 4 business days after they have received all of the items required under section 605B.

The information remains in your credit file, but is not available to any party other than you as the named comsumer.

[takeshi74]

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@Anonymous wrote:

I recently applied for a mortgage and was told my score was in the mid-500s.. After reviewing the report, I noticed 8 accounts that I had never even heard of! 

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Whether or not applying for a mortgage you should be routinely checking your reports for fraud and inaccuracies.  You should definitely verify that your reports are clean before applying for a mortgage.