Prevent ID Theft

  1. Opt out of the marketing list
  2. Always question when giving out your Social Security Number
  3. Check your credit report yearly
    1. www.myfico.com
    2. www.nationalscoreindex.com
  4. If you suspect ID theft you can go to the following websites
    1. www.ftc.gov/theft
    2. www.idtheft.gov

Disputes

When disputing make sure to do it correctly otherwise you can drop your credit score, lock in bad credit and have a loss of time and money. To do it correctly make sure to have all the facts together and in chronological order, understand the sections of the law that were violated and put together a clear and concise letter with supporting evidence to submit to the correct parties. In rare cases you may need to get some professional help.

Order of operations

  1. Directly with the creditor
  2. Bureau’s dispute process
  3. Attorney General
  4. Attorneys legal counsel
  5. Or contact a mortgage professional for additional guidance