I am trying to get my scores up to 640 so I can refinance my car from a 26% interest rate and get a home for my two children and I. I am the victim of severe credit fraud.
-I have filed an ID Theft report, and police report (November 2011 and mailed this to the 3 Credit Bureaus with a request for removal of the fraudulent items). Experian and Equifax deleted the accounts that were fraudulent. Transunion refused to IDT Block the accounts or remove them. How do I get Transunion to cooperate?
- I have sent letters to the individual companies to remove a total of 31 inquiries in the past 12 months from my report. None of these were PP on my behalf but were used as a tool to fish for credit for fraudulent purpose. I get mainly automated letters in return from these companies who are not working with me to remove the inquiries even though I am a victim of fraud.
- I have wrote to the credit bureaus about the inquiries with the ID Theft Report + Police report letter and they told me to contact the creditors. The creditors tell me to contact the credit bureaus.
I need to get Transunion to cooperate with removing the fraudulent accounts like Experian and Equifax did. I need to get the 31 inquiries removed. I am very close to obtaining a higher score if, and only if, I can get these two things to happen. I have also paid down most of my credit cards and will continue to do this for the next 3-6 months until the balances are between 0-10% of the credit limit.
Can someone advise me on the next steps on dealing with Transunion and then the inquiries? Thank you.
Starting Score: 576 EQ 1-12-13