@Abelcrdn wrote:
SO just a huge shoutout to Norman for the Advice he gave on my posting this morning. I fell victum to idenity theft and could not get items to fall off my report since they continued to be verified. I posted this am needing some help and Norman suggested the FCRA 605B which has literally cleated up two of three reports (Experian kept my on hold for over 30 monutes so i figured i would tackle two today and one tomorrow) My scores on Myfico have repopolated with a +77 jump on Equifax Now 686 and a +67 jump on TransUnion Now at a 727. My TU report is clean with only 3 inquires and my EQ is clean finally clear! I have 2 accounts i just opened and are projected in increase another 20 points! Fingers crossed. I am super excted to have finally made some progress !!! Thank you to everyone for the help and advice.
The thing you need to keep in mind is that FCRA 605B generally only addresses the reporting side of things. The CA's can and often do continue to pursue collections, even obtaining judgmements against ID Theft victims. Once you have gotten the CRA's to exclude the items you can send copies of your paperwork (that you sent the CRA's) to collectors and OC's and they are required to send you ALL information they have on the account for investigative purposes. That request will generally convince them to relent and close the books on it.
