So your credit was trashed when your file was “blended” with another person’s of a similar name or Social Security number, and then a scammy credit repair service charged you an exorbitant upfront fee and did nothing.  While mistakes do happen, fraud and credit repair also occur.  You may be able to take action on your own in the case of a credit report inaccuracy and avoid being a victim twice from the same incident.

No credit repair service can erase bankruptcies, judgments, liens, or band loans, nor can they create a new credit identity legally.  Only time heals accurate negative information in your credit report; however, the bankruptcy you did NOT file…that is an error you can report.

Tell the credit reporting company about the inaccuracy.  The Federal Trade Commission offers the following sample letter to help you communicate your dispute.

 

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

Complaint Department
[Company Name]
[Street Address]
[City, State, Zip Code]

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc.] is [inaccurate or incomplete] because[describe what is inaccurate or incomplete and why]. I am requesting that the item be removed [or request another specific change] to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents] supporting my position. Please reinvestigate this[these] matter[s] and [delete or correct] the disputed item[s] as soon as possible.

Sincerely,

 

 

Your name

Enclosures: [List what you are enclosing.]

 

 

Also, you can tell the creditor or information provider about your dispute.  Again, do it in writing.