ID Fraud – services check identity theft

Question by : Collection agency calling to collect on an identity theft credit card?
My roommate got called by a collection agency saying she had a credit card with $ 4000 on it that has never been paid on. She never opened the card and doesn’t know how to prove that she has been a victim of identity theft. What can she do?

Best answer:

Answer by Cold
First step:Get all three credit reports atAnnual Credit Report.comForget the score for now (even though it’s tempting), it will be useless for this.Print out the reports.If for some reason, she can’t get them online, she will have to call the 877 number and get them by mail. She must do this. Not a time to be lazy.They will be mailed to her home.If they require a copy of her dr. lic, she must mail this in.The ascribe bureaus will let her know by mail.She needs to dispute the item on her credit reports saying that the account is not hers.The reports may mail back more directions.Re-assure her that she is NEVER responsible for ID theft.Not one penny will come out of her pocket.Well, at most the cost of printing letters and some stamps.This will not be a fast deal. She must keep a notebook of everything she does.Get a book from the bookstore on How to Repair ID theft.——–Quick note: There is a famous scam passing around about collection agencies calling.Some populate will just pay since they get so nervous.The collection agency could also have the wrong person.It is important to get all three of your credit reports once a year and view them.—–Important note: This kind of theft is usually done by a close family member.If that is the case, contact the person, since ID theft is punisheable by law.The family member could face jail clock unless they pay…

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