Arlington Identity Theft & Credit Report Dispute Lawyer
Helping Arlington Residents Fix Credit Report Errors and Fight Identity Theft
If you live in Arlington, Virginia and are struggling with identity theft or inaccurate credit reports, you are not alone—and you have legal rights. Identity theft can be committed by anyone, be it a stranger or even a family member. In the blink of an eye, the thief can rack up thousands in debts under your name. It can seriously damage your life and the life of your family, making it difficult to find a job or a reasonable home loan. For others, inaccurate credit reports occur because another person’s information is on your credit file. Fortunately, there are ways you can help yourself. If you would like to speak with an Arlington credit report dispute lawyer that can assist you, please feel free to contact our office at (571) 313-0412.
What To Do If You’re a Victim of Identity Theft in Arlington
Identity theft can ruin your credit, affect your job prospects, and make it nearly impossible to qualify for loans. But quick action can limit the damage.
Follow these steps:
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File a police report with the Arlington County Police Department by calling their non-emergency number at (703) 558-2222. Be sure to request a copy of the report and keep it for your records.
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Contact the three major credit bureaus—Equifax, Experian, and TransUnion—to:
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Place a fraud alert on your credit file
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Request a free copy of your credit report
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Disputing Credit Report Errors in Arlington, VA
Once you have your credit reports, review them carefully. Look for accounts you didn’t open, incorrect personal information, or duplicate accounts.
If you find errors:
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Draft a dispute letter for each credit reporting agency listing the incorrect information
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Include copies of your police report and any supporting documentation
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Be clear if the accounts are related to identity theft
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Keep copies of all letters, forms, and responses from the credit bureaus
Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation and correct inaccurate information. If they fail to do so, you may have the right to sue.
Why You Need an Arlington Credit Report Dispute Attorney
Credit reporting agencies often fail to fix errors, even after a formal dispute. If you’ve done everything right and the mistakes remain, it’s time to speak with a qualified attorney.
At Blankingship & Christiano, P.C., our experienced Arlington identity theft and credit dispute lawyers can:
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Enforce your rights under the FCRA
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Communicate directly with credit bureaus and data furnishers
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Take legal action if your credit is not corrected
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Help you recover damages caused by reporting errors or negligence
Contact our office today at (571) 207-8331 to schedule a consultation and take the first step toward restoring your financial reputation.
