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I filled out the FTC form for identity theft and sent it to the CRA. TU removed the accounts in question and placed a fraud alert on my file. EX, on the other hand, initiated disputes. I spoke with a representative today and she told me that once the results of the dispute come back, then I can contact the OC and submit the identity theft affidavit to them directly. It's my understanding that once a affidavit has been filed, the CRA is to block the accounts immediately and place fraud alert on report. So since EX has decided to handle mine differently, what is my next means of recourse?
They have 4 days once receiving the form to block the information. They are wrong filing a dispute. If they do not take care of it I would file a complaint with the CFPB. This is a serious violation.
605B. Block of information resulting from identity theft
(4) of the effective dates of the block