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Author: aj485 Big gold star, 5000 posts Feste Award Nominee! Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 310986  
Subject: Re: Fraud on Credit Report Date: 11/11/2007 10:41 PM
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Hi, I'm Margaret. I don't have DirecTV, I did not enter into any contract with DirecTV. Please take this horrid thing off my credit report. If you do, I'll invite you to my birthday party. Thanks.

Perhaps something more professional would be better. Does anyone know of sort of standard language that one uses in this situation?

Well, the sentiment is correct, except maybe for inviting them to the birthday party.......

What you essentially want to say is "This is not my account. I have no knowledge of this account. Please remove it from my credit report."

If you haven't already gotten your 3 credit reports using www.annualcreditreport.com, you can go there and order each report and dispute the issue online. Otherwise, you can either have either write to each credit reporting agency or you can pay for credit reports on-line and then use those reports to start the on-line dispute process.

If you need to correspond with DirecTV again, ask them for validation of the debt. Here is a link to a site that explains validation of debt: http://www.creditinfocenter.com/rebuild/debt_validation.shtml

Also, don't hold back. This isn't all going to be over in two to three weeks, is it? Any idea how long it will be before it comes off my report?

It won't all be over in 2 - 3 weeks, but as far as your credit rating for your home, if you dispute them online, they should come off due to the investigation almost immediately. You can then ask your mortgage broker to do a 'rapid rescore'.

You will be sent a response within 30 days to confirm whether the removal is permanent. If it is not, that is when you need to start the validation of debt process with DirecTV.

You should also place a fraud alert on your account, because you have been a victim of identity theft. If you have a police report, you can get a long-term alert placed.

You may also want to look into if your state offers credit freezes for victims of ID theft, or the new credit freeze process the credit bureaus have started offering. This should help prevent any future accounts from being opened in your name.

You may also want to look into a credit monitoring service, since you have been the victim of identity theft.

Just as an FYI, almost to the day that I applied for my most recent mortgage, an invalid collection account showed up on my credit report. I was monitoring my credit report, and it hadn't been there 3 days before. I was still able to get my mortgage and close on my home in less than 30 days, so it is possible to do so.

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