Someone I knew used my identity to turn on utilities, that person is now pasted away. What can I do?

It depends upon how the problem is impacting your circumstances. If it is your credit history, you can and should first obtain a police report...

If you attempt to pay before default and a creditor refuses, then later reports the debt as defaulted (delinquent - through charged off status'). ...

Your idea makes sense in theory - preemptive notice to the consumer reporting agencies - Equifax, Trans Union and Experian - warning each not to...

Hi. I found out last monday that a freeze had been put on my checking account here in NC. It was from a very old credit card.

Banks blindly accept garnishment levy's based solely on the copies served on it by a collection attorney or judgment creditor. You have few good...

Co-borrower's bankruptcy effecting Primary's credit report?

There is an inaccurate reporting of the item somewhere in your consumer report. It may not be shown in the copy of the consumer disclosure report...

How do I get collection removed from credit report when it is false?

I hate to always have to say it, but there is little option besides litigation. The debt collector (a third party, unless you are in CA, FL, or a...

Is it illegal in IL for a potential employer to deny an applicant based on a credit report?

That depends. Nationally, the use of a "consumer report" (credit reports and background checks) for an employment purpose is strictly limited by...

Can my husband who I am separated from pull my credit report for his Chapter 13 bankruptcy?

Absolutely not. The "permissible purposes" for doing so are found at 15 USC §1681b(a). These are interpreted narrowly and there are a ton of...

What will happen if I file a chapt. 7 bankruptcy and I have a joint judgement on my credit report?

The Judgment will remain in your credit report, but the consumer reporting agencies will be required to change it to a status of "Discharged in...

Did BoAf break the FCRA by reporting charge off to credit bureau 5 months after the bankruptcy?

Bob Weed is correct - any credit inaccuracy needs to be disputed to the national consumer reporting agencies (CRAs - Equifax, Trans Union and...