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Found 18 results

  1. I filed my taxes in 2012 but I was in prison at that time. I was released in January of 2013 and immediately started working again. I recently found out (in early 2014) that my identity had been stolen. I called the IRS but they have been giving me the run-around for around 9 months. I'm poor and I need help getting my 2013 tax return. Does anyone have any advice on how I can get this resolved? Any help would be very much appreciated. Thank you.
  2. Xpost from Idenity Theft. I have sent block letter per FACTA to Experian along with FTC Affidavit, police report, driver license, social security card, utility bill (for address verification) and received 2 page letter from them after a month of investigation. Basically here what is said on the first page "If you still wish to have this information blocked, please submit an identity theft report without the deficiencies noted at the end of this letter". At the end of the letter is noted "The identity theft report that you provided to us does not meet the guidelines established by the f
  3. First let me say that it is a pleasure being a part of this awesome community/forum, and I look forward to learning so much from you all. This site has given me renewed hope in my quest to obtain more favorable credit scores! I have only been a member for a couple weeks (newbie) and probably spent 5 hours my 1st day trying to read all the info (not possible). Therefore, I look forward to a long long relationship with creditboards.com. Current Score Situation: EX 596 TU 576 EQ 532 A little background... 1 BKO - Discharged 9/2009 2 Charge Offs - Accounts I did not authorize/open
  4. I copied this from Insid(ious)ARM -- looks like this fella had a run-in with his comeuppance. A California office of the U.S. Justice Department announced Friday that a debt buyer was arrested on bank fraud charges related to a line of credit from a bank used to fund debt purchases. The arrest was made after an investigation by the FBI. Michael T. Sahlbach of Granite Bay, Calif. was arrested Friday for six counts of bank and wire fraud, United States Attorney Benjamin B. Wagner announced on behalf of the DOJ office for the Eastern District of California. A federal grand jury returned
  5. My tale is a common one these days. If you’re a newbie and freaking out because you are in a similar position – you are not alone. I've had at least 4 of these bottom-feeding fake payday loan scammers try making a run at me over the past 2 years, and it all started with an inquiry I made through a website that acts as a payday loan "broker" -- they farm out your personal information to dozens (hundreds?) of potential "lenders" to fish for the best rates. (Lesson learned...ugh.) (By the way, I accepted ONE offer that was legit -- complete with online contract – and I paid it back within th
  6. I just really need to know WHAT is happening, so that I can know HOW to address it....opinions please. Up until Feb, we could access DHs EQ just fine. Middle of Feb, no longer could pull his file from MyFico, EQ or any credit monitoring service. Wasn't even able to access the file using a confirmation number from a previous dispute. Made a couple of phone calls, faxed in requested info, DL, bank statement, utility bill, SS card....still no luck. Called EQ a couple of days ago, they said there wasn't an issue except that they are reporting an 2 old address and no current
  7. Hi, guys, I was just looking over my TU report and noticed in the soft pulls section that Equifax softed my TU for this: "Permissible Purpose: Colorado Health Care/Investigate Fraud." What in the world? Anybody have a clue as to what this could be? There are no additional details there, other than that the pull was made by EQ back in December and I really don't want to call them up on this and trigger some kind of alert. Could someone have stolen my identity for health purposes? I have been sick a lot so I'm pretty on top of my medical/insurance bills and related correspondence and I haven't
  8. http://www.kmov.com/news/just-posted/News-4-confronts-phony-debt-collector-scheming-local-residents-242876911.html (KMOV) – News 4 Investigative reporter Chris Nagus confronts the man behind a debt collection scheme targeting people across St. Louis. Harassing phone calls, threatening letters and unwanted visits from a phony business but it’s unclear whether the people actually own any debt. Chris Nagus confronted the man behind the bogus business and learns this phony debt collector was using the St. Louis Prosecutor’s office to get payment. Click the video player to see the l
  9. so here's the skinny. A long time ago in a galaxy far far away BofA closed 3 accounts with money in them due to suspected fraud. They reported the accounts to Chex and never sent me a check for the balances (well over 3k). So i sued BofA and won because not only were my accounts closed in error, but they never gave me the money in the accounts when they did close them. So i write a letter to chex telling them that the report of fraud was null and void due to the results of the court case. I sent them them a copy of the court verdict along with the letter. So they come back and tell me that
  10. Hi all, I have applied for a United Airlines Chase credit card four times in the past two years and have been denied each time. The denial letter has always been vague. Yesterday, I spent over an hour at a Chase branch investigating the situation. I gave the manager my social security number and, as it turns out, Chase has a record of a credit card I shared with my father about 18 years ago (my father had given it to me in my teens to help pay for gas for my car. I stopped using it after a few years but he kept using his copy). Here's where it gets weird: The branch manager showed
  11. With the fraudulent charges from Capital One days, in June. I log into my account and I see no changes. Called them two weeks ago, they said "just wait" (basically.) Capital One sent me new card, Citi re-issued me a new account number (again).... What is happening there???????? Are they maybe just waiting the full one month, or three months like it was in 2008 with Rushcard and then on Day 91 all the charges get reversed and I receive the credits, and I am "back on track" on my credit repair??? Should I call them again?? Again.. WHAT are they doing??
  12. Anyone that lost a house and credit trashed due to these sorts of shenanigans at BOA should contact an attorney. It's likely that similar stuff goes on at other banks. http://www.naturalnews.com/041410_Bank_of_America_housing_bubble_home_foreclosures.html
  13. I am trying to rebuild my credit. My score is so low My FICO.com refunded my money. I have since removed medical collections and disputed collections that were my husbands and not mine. Still waiting on results. The CRAs have put a fraud alert on my CR when I deleted old addresses. My brother-in-law is going to put me on one of his accounts as an authorized user to help me rebuild credit until I can get a credit card of my own. My question is...will he be able to add me on his account with a fraud alert on my CRs? I really need something revolving to help me out so I can get s
  14. Needed to see if anyone can offer some good advice on what my next step should be. Here's what happened: a few months ago an unauthorized debit of $30 (I know. nothing crazy, but it's now matter of principle) was drafted out of my checking account. So I immediately contacted the bank who had me come down fill out an affidavit stating I didn't authorize this debit and had never heard of nor associated with the company that did it. I also had to change my account number ,order new checks, just the basic things anyone would need to do. Long story short, my bank said that "they would do wha
  15. Last week, I received a phone call from my main bank asking to confirm a recent charge that they thought was suspicious. My credit card had been used in a big box store across the country, so my bank diligently cancelled my card and removed the charge. Since then, I've been receiving daily calls from other banks about credit card fraud - again charges in stores that have declined in other parts of the country. Some of these are on store credit cards that I rarely use and have not used in the last six months. Has some major institution that would have access to all my different credit card
  16. I was hoping to find some advice on how to proceed after an issue with a car salesman running my credit repeatedly without permission. My wife and I bought a car from a salesman who is related to her about a year and a half ago and we recently had another child so we contacted him to keep his eye out for a larger vehicle that may work for us. After talking to him over the phone about three cars he told us after each one that we were too far "upside-down" on our vehicle because they were attempting to give us $4000 under blue book trade-in. When we went to another dealership today and fi
  17. Hello Everyone, I've come to a complete hault and I am stuck on what i need to do next. I've sent a letter to chexsystems regarding BOA reporting me for "Suspected Fraud". I noted in my dispute that there's no evidence of Debt Owed and No Evidence of Fraudulent Activity. After I sent the letter of Dispute, I recieved a letter from Chex Saying: "Chexsystems has been unable to verify the accuracy of the disputed information submitted by BOA...... If the reporting member does certify the accuracy and completeness of the information, it will be reinserted into you consumer file...."
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