Identity Theft Credit Repair
Identity theft can devastate your credit overnight. We help you file the right reports, freeze your credit with all three bureaus, and remove every fraudulent item from your report under the protections of the FCRA.
- FTC Identity Theft Report guidance
- Fraud alerts and security freezes with all three bureaus
- Blocking of fraudulent tradelines under FCRA Section 605B
- Hard inquiry removal for unauthorized credit applications
What identity theft does to your credit
When a thief uses your information, the damage shows up as new accounts you did not open, hard inquiries from lenders you never applied to, balances on accounts you don't own, and collections for debts that aren't yours. Even after the activity stops, the entries can stay on your report for years if not properly disputed.
The FCRA gives you powerful tools
Under FCRA Section 605B, once you file an Identity Theft Report and notify the bureaus, they must block the fraudulent items within 4 business days. Furnishers must also stop reporting blocked items to other agencies. We coordinate all of this for you and handle every dispute response.
Frequently asked questions
How do I know if I'm a victim of identity theft?
Common signs include unfamiliar accounts on your credit report, sudden score drops, unrecognized hard inquiries, collection calls for debts you don't owe, and IRS notices about unfiled returns.
What is an FTC Identity Theft Report?
An official report filed at IdentityTheft.gov that gives you legal rights under the FCRA, including the right to block fraudulent items from your credit report and require furnishers to stop reporting them.
How long does identity theft credit repair take?
With a proper FTC report, fraudulent items can often be blocked within 4 business days under the FCRA. More complex cases involving multiple bureaus and accounts take 30 to 90 days.
Ready to take the first step?
Book a free, no-pressure consultation. We'll review your situation and tell you exactly what's possible.