Progress on rebuilding after ID theft - and a question.

[Anonymous]

I gave a background on my journey here - http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-After-Identity-Theft/

In January of this year I had credit scores in the mid-400s. No credit cards. No car loans. No bank account. Nothing. Just a bad case of identity theft. Today I have credit scores that range from 680-714. I now have 0 collections or lates on EQ, 1 collection and 1 late on EX that I am working on getting removed, and 1 collection and 0 lates on TU. Don't get me started on ChexSystems - that is clean now too.

I was able to take out 2 auto loans at higher interest rates than I would like in February. A Discover It with a 1500 limit in March. In April I was able to open an account with my local credit union. This month I opened a regular bank account, get a 1000 limit card with my credit union, open a checking, PLOC and OLOC with PenFed... And then my checking, PLOC and OLOC got closed by PenFed due to the fraud flag on my credit report. Ugh! So close! The PenFed reps are saying it is because no one contacted me at the number I had provided on my fraud alert/consumer notes.

All in all, it took about 100 hours on the phone, fax, email and document upload... chats with the police... a ton of coffee and a whole lot of patience. Now that I am just about clear, I realized that while it was a total PITA, I totally did NOT need a service to handle this for me. However, if someone had gotten this done and saved me the time, it might have been worth it.

One of my final issues is Sprint. Although there is nothing reporting for me anymore, Sprint is still trying to collect via not allowing me to open an account with them. They want utility bills and a police report from 2005. Anyone have any idea how to get around this? I have NO IDEA how to go about getting records that old. My utility companies don't even have those records anymore.

[Anonymous]

---

@Anonymous wrote:

I gave a background on my journey here - http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Rebuilding-After-Identity-Theft/

In January of this year I had credit scores in the mid-400s. No credit cards. No car loans. No bank account. Nothing. Just a bad case of identity theft. Today I have credit scores that range from 680-714. I now have 0 collections or lates on EQ, 1 collection and 1 late on EX that I am working on getting removed, and 1 collection and 0 lates on TU. Don't get me started on ChexSystems - that is clean now too.

I was able to take out 2 auto loans at higher interest rates than I would like in February. A Discover It with a 1500 limit in March. In April I was able to open an account with my local credit union. This month I opened a regular bank account, get a 1000 limit card with my credit union, open a checking, PLOC and OLOC with PenFed... And then my checking, PLOC and OLOC got closed by PenFed due to the fraud flag on my credit report. Ugh! So close! The PenFed reps are saying it is because no one contacted me at the number I had provided on my fraud alert/consumer notes.

All in all, it took about 100 hours on the phone, fax, email and document upload... chats with the police... a ton of coffee and a whole lot of patience. Now that I am just about clear, I realized that while it was a total PITA, I totally did NOT need a service to handle this for me. However, if someone had gotten this done and saved me the time, it might have been worth it.

One of my final issues is Sprint. Although there is nothing reporting for me anymore, Sprint is still trying to collect via not allowing me to open an account with them. They want utility bills and a police report from 2005. Anyone have any idea how to get around this? I have NO IDEA how to go about getting records that old. My utility companies don't even have those records anymore.

---

Under FCRA 605B, the OC is obligated to provide you any and all records they have of the account, provided you send them the same documents that you send to the CRA to get ID Theft Exclusion. Start demanding from them, rather than allowing them to demand from you. Turn the tables on them.

[Anonymous]

Progress update - 

1/20/2016 - TU 428    EX 458     EQ 430

Collections - 57 (high 57 TU, low 49 EX)

Judgements - 5 (3 evictions, 2 repos)

Inquiries - 140 between the 3 bureaus in the last year

Missing - Rehabbed student loans

Personal Status - No loans, no resolving or installment credit, no bank account

2/4/2016   - TU 538    EX 543     EQ 527 

Collections - 30 (high 30 EQ, low 28 EX)

Judgements - 3 (2 evictions, 1 repo)

Inquiries - 60 between the 3 bureaus in the last year

Missing - Rehabbed student loans 

Personal Status - 1 primary car loan, 1 co-signed car loan with spouse, no loans or installment credit, no bank account

3/5/2016 - TU 580     EX 587     EQ 599

Collections - 15 (high 15 TU, low 10 EQ)

Judgements - 1 (1 eviction)

Inquiries - 29 between the 3 bureaus in the last year (9 were mine, applying for credit)

Missing - Nothing

Personal Status - 1 primary car loan, 1 co-signed car loan with spouse, 2 student loans showing 6 years perfect payment history, no bank account

4/6/2016 - TU 614    EX 601    EQ 640

ChexSystems - Got my file seperated from the identity thiefs invalid information

Collections - 4 (high 4 EQ, low 0(!!!!) EQ)

Judgements - 1 (1 eviction)

Inquiries - 30 between the 3 bureaus in the last year (all mine, DOH!)

Missing - Nothing

Personal Status - 1 primary car loan, 1 co-signed car loan with spouse, 2 student loans showing perfect payment history, Discover It card ($1500.00), opened CU account

4/18/2016 - TU 623  EX 630  EQ 704

Collections - 3 (high 3 TU, low 0 EQ)

Judgements - 1 (1 eviction)

Inquiries - Ugh

Missing - Nothing

Credit Reporting - Discover It reporting at 51% usage - it reported on 4/13 at 9%, so I thought I could use it, and BAM it reported again. Ugh.

Personal Status - 2 car loans, 2 student loans, 51% usage on Discover, positive CU account (yay!)

5/18/2016 - TU 690   EX 623  EQ 714

Collections - 1 (EX only, OC is investigating)

Judgements - 0 (!!!!)

Inquiries - double UGH

Missing - Nothing

Credit Reporting - Discover It 51%, statement cuts today. I have a $0 balance as of today. Overpaid. MyFico says my TU Fico8 will jump to 785!

Personal Status - 2 car loans, 2 student loans, 51% usage on Discover, positive CU account, opened PenFed account with PLOC and OLOC ($1,500 total), added $1,000 CC through my local CU, $300 CC from Capital One and Credit One.

More updates tomorrow as my Discover reports no balance! As these cards start reporting and this last collection falls off Experian, I hope to have 760+ scores across the board.

[RobertEG]

The ability to also obtain all business records in possession of the creditor that pertain to the asserted use of your identity is separately detailed in FCRA 609(e).

You can obtain that discovery right by sending the creditor a copy of the police report (which the FCRA calls an Identity Theft Report).

[Anonymous]

Thanks Robert! I have done that, and that was over a month ago. For the first 2 weeks they claimed to have not received the umpteen faxes I sent successfully to 2 different numbers. Finally I got a nice agent who told me to sneak a fax over to the exceutive office so they can't claim to lose it. That worked on 4/20, but then as I called in for updates I was told it wasn't received until 5/2 because it was the wrong department. Seriously.

I just got off the phone with the OC and they gave me the same song and dance, except now it is 60-90 days. So I called the Consumner Affairs Bureau as directed by the Public Utilities Commission website and they took my complaint and immdiately got me on the phone with the Executive Office. I was told it will be resolved by next Monday.

Unfortunately, the creditor is still refusing to provide me further information, and honestly, my local PD doesn't give a rat's behind about accounts opened across the country. I have not heard word one from the detective without prodding him, and even then it makes me feel terrible because I know he is busy and this is probably not the best use of his time.

[Anonymous]

Progress update - 

1/20/2016 - TU 428    EX 458     EQ 430

Collections - 57 (high 57 TU, low 49 EX)

Judgements - 5 (3 evictions, 2 repos)

Inquiries - 140 between the 3 bureaus in the last year

Missing - Rehabbed student loans

Personal Status - No loans, no resolving or installment credit, no bank account

2/4/2016   - TU 538    EX 543     EQ 527 

Collections - 30 (high 30 EQ, low 28 EX)

Judgements - 3 (2 evictions, 1 repo)

Inquiries - 60 between the 3 bureaus in the last year

Missing - Rehabbed student loans 

Personal Status - 1 primary car loan, 1 co-signed car loan with spouse, no loans or installment credit, no bank account

3/5/2016 - TU 580     EX 587     EQ 599

Collections - 15 (high 15 TU, low 10 EQ)

Judgements - 1 (1 eviction)

Inquiries - 29 between the 3 bureaus in the last year (9 were mine, applying for credit)

Missing - Nothing

Personal Status - 1 primary car loan, 1 co-signed car loan with spouse, 2 student loans showing 6 years perfect payment history, no bank account

4/6/2016 - TU 614    EX 601    EQ 640

ChexSystems - Got my file seperated from the identity thiefs invalid information

Collections - 4 (high 4 EQ, low 0(!!!!) EQ)

Judgements - 1 (1 eviction)

Inquiries - 30 between the 3 bureaus in the last year (all mine, DOH!)

Missing - Nothing

Personal Status - 1 primary car loan, 1 co-signed car loan with spouse, 2 student loans showing perfect payment history, Discover It card ($1500.00), opened CU account

4/18/2016 - TU 623  EX 630  EQ 704

Collections - 3 (high 3 TU, low 0 EQ)

Judgements - 1 (1 eviction)

Inquiries - Ugh

Missing - Nothing

Credit Reporting - Discover It reporting at 51% usage - it reported on 4/13 at 9%, so I thought I could use it, and BAM it reported again. Ugh.

Personal Status - 2 car loans, 2 student loans, 51% usage on Discover, positive CU account (yay!)

5/18/2016 - TU 690   EX 623  EQ 714

Collections - 1 (EX only, OC is investigating)

Judgements - 0 (!!!!)

Inquiries - double UGH

Missing - Nothing

Credit Reporting - Discover It 51%, statement cuts today. I have a $0 balance as of today. Overpaid. MyFico says my TU Fico8 will jump to 785!

Personal Status - 2 car loans, 2 student loans, 51% usage on Discover, positive CU account, opened PenFed account with PLOC and OLOC ($1,500 total), added $1,000 CC through my local CU, $300 CC from Capital One and Credit One.

5/20/2016 - TU 690  EX 625  EQ 714

Collections - 1 (EX, got a call from the creditor today, they are deleting it!)

Judgements - 0

Iquiries - Itchy finger - have not applied in 2 days

Missing - CU CC ($1000 SL), PLOC/OLOC PenFed ($1500), Cap1/Credit1 CC ($300 EA)

Credit Reporting - Discover It 0% (EX) Discover It 51% (TU, EQ), 30 day late (EX) on a car loan I never had (car is paid off even...)

Personal Status - Same as 2 days ago. Trying to get in with Verizon but I need that last collection removed to get a 0 down payment on 4 lines