125 People Helped
Member Since: February 2012
You want your dispute VALIDATED. Anyone can verify information you need the debt to be VALIDATED and you needy to know the last DOLA ---date of last activity. Then you will be able to get it removed quicker not to mention you can figure out when the statue of limitations runs out on a debt.
Genie66's reply was:
Unfortunately, it stays for years. Bankruptcy's stay for 10, bad credit 5-7, inquiries 2 years. You can send a letter requesting validation if they can't do it within 30 days it has to come off. Hit them around the holidays because they are back logged and to busy to really verify, validate, or even look into much. Easier to remove things then
start with the place of business that says you opened an account. Tell them you want validation of the contract, tell them you want to see the original with your signature.
I don't understand ........ A fraud alert is only good for ONE YEAR! That's their policy.
After 5-7 years by law they have to come off your report.
In the worse case, you can go to court and present your case to the judge and get a new social, but you truly have to have all supporting papers that your a true victim including a police report. Good luck
There would be proof! the car dealership has to have your personal information not to mention your ID and a signature. Then you have to have proof of insurance before you can ever get a car, there is a huge paper trail when purchasing a car, I know I trade mine every 13-18 months and have for the past 20 years. Start with the place the vehicle was purchased, everything should fall in line for you to follow to the bottom. Then sue or press charges on the individual who used your information and the dealership for allowing it to happen. I get a call when ever my social security number is used, even by me. Put a fraud alert at all 3 major reporting agencies and they will personally call you when your social is used.
OMG! NEVER send your information to anyone. Sounds like a major scam. WOW! Can't believe that person had the nerve to say SEND ME ALL YOUR INFORMATION .........NOT!!!! Don't do it.