Improve Your Credit Score After Identity Theft

It’s no secret, everywhere you look you are told of the dangers and increasing volume of identity theft.  Fortunately, there are some things that you can do to improve credit score after falling victim to this horrific crime. Unfortunately, this crime happens far too often.  Perhaps when you’re waiter swiped your credit card he also kept the number for his own personal use.  Or maybe the thieves lifted your information when you used your credit card at the gas pump, or they simply intercepted your mail and are now living the high-life on your good name.  The scenarios are too numerous to count, but the devastation can have an impact for years to come.  If you have been victimized you must take action to not only limit the immediate financial impact, but you must also take measures to improve your credit score as well, as it has likely taken a beating through no fault of your own. The credit bureaus and creditors are not going to know that you were a victim, and they will report all of the activities of the thieves on your credit report unless you are proactive and take action to improve credit score calculations by eliminating this negative information.  While the time and effort involved in this process can be overwhelming for most, you, fortunately have the option of enlisting professionals to assist you in working with the bureaus to fix the problem and improve credit score. We will now outline some of the steps that you must take immediately upon recognizing that you have been a victim of identity theft. 1.    Order a copy of your credit report from all 3 bureaus. The first thing you must do is figure out how much damage has been done.  In most cases, the item that tipped you off to the problem is not the only instance of the problem.  The thieves have likely used your identity to secure credit from multiple creditors, running up the balances, and leaving you to suffer the impact.  After obtaining a copy of your 3-in-1 report, go through each account making note of which are your legitimate accounts and which are fraudulent.  These fraudulent accounts will have a negative impact on your credit score and knowing will guide you as you fight to improve your credit score going forward. 2.    File a police report. The next thing you need to do is file a police report.  This will become very important as you work to improve credit score.  Because the problem has become so prevalent, today you can likely just phone your local police department and file the report over the phone.  Make sure to get the report number from...

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How To Fix Your Credit Problems In This Economy

Now is the time to start to fix credit problems to position yourself for the future.  The global recession, unfortunately, has touched almost every American consumer and business in a negative way.  Perhaps you have felt the effects personally, having lost your job, having your employer go out of business or possibly reducing your hours or wages. The result of these events can be devastating.  You may have started by cutting back on going out to eat and reducing other expenses as much as possible.  But as time goes on, there simply is no more to cut back on and there just isn’t enough money to satisfy all of your obligations.  At this point you start to juggle the bills, missing the electric bill this month hoping to pay it next month, while you pay your auto loan this month and skipping it next month.  All the while trying to pay your mortgage, but little by little things slip away.  One month turns into three and finally there is just no way to do it all.  Then things really take a turn for the worse and the repo man shows up, and your house gets foreclosed on.  Unfortunately, this is the story of too many hard working individuals who are trying to do the best that they can.  The problem is that these unfortunate problems will haunt you through your credit report and credit score for years to come unless you take action and start to fix credit problems now with an eye to the future. So what are some of the things that you can do to start to fix credit problems now? 1)    Don’t be an ostrich! You need to understand your current financial situation and where you stand before you can develop a plan to fix credit problems for the future.  First, review your credit reports from the three major bureaus, Equifax, Experian and TransUnion.  Know what you owe, who you paid late, who charged-off your account and all the other derogatory information.  With this knowledge comes power. 2)    Know your objectives. Once you know your current situation, you can develop a plan to fix credit problems in the priorities that make sense.  For example, if your house has been foreclosed, the immediate concern is where do you live.  Sure staying with relatives or friends is a good temporary solution, but long term you need to have a plan.  Perhaps that plan involves renting an apartment.  So now you know to prioritize what items you need to work on first to fix credit problems to rent an apartment.  Generally, when renting an apartment the landlord or management company is not looking for perfect credit, only good...

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The testimonials and results provided, although exciting, are provided for illustrative purposes only and are not typical, your results will vary. We promise only to perform the work agreed to in the terms and conditions of our retainer agreement with you, the client, and to charge each month only for work already completely performed. As with any legal services, no specific outcome is promised or guaranteed. The services of YourCreditAttorney.com, backed by Centurion Law Firm may not be available in all states. No guarantee of, nor representation that YOUR credit score will increase is made by these illustrative past results, your credit can only be improved in accordance with federal laws requiring the information on your credit report not be inaccurate, unverifiable nor misleading. YOUR RESULTS WILL VARY.

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