Scams

It’s just too easy to be a victim of some of today’s debt scams and credit repair scams.
Many are marketed as valuable services for those who are dealing with serious debt problems, so if you’re in a tough financial situation, these “programs” seem to be the ultimate solution.
But understanding how these scams work and what red flags to look out for can help you make some well-informed decisions and avoid becoming a victim.

Stolen SSN to File Taxes

Someone is Using My SSN – What Should I Do?

If you recently had your Social Security card stolen or an identity thief had access to your Social Security number, someone could be using your

credit repair scam

4 Ways to Spot a Credit Repair Scam

Regulators and consumer advocates alike are warning Americans about a growing number of credit repair scams nationwide. Recently, the Federal Trade Commission reached a $14.4

What To Do If Someone Filed A Tax Return In Your Name And Stole Your Credit Identity

If the person that is your spouse, you need to file a request for what the IRS calls “innocent spouse relief”. Get IRS form 8857 to do this. If not, you should still notify the IRS and Federal authorities that you have been the victim of fraud and identity theft. Lock down your credit reports by getting a credit freeze and putting a fraud alert on your credit files with Equifax, Experian and TransUnion.

What to Do if Your Credit Has Been Wrecked by a Family Member

Question: I am 24 years old and my credit is not too spectacular. Most of the accounts on my credit reports are things I have done to myself, but the other half (and the most expensive portion of my debt) was done by an immediate family member who knows my social security number and has put cable, electric and telephones in my name and did not pay the bill. I don’t want to get my family member in trouble but I am not sure what to do?

false medical claims

Removing False Medical Claims From Your Credit Report

This is, unfortunately, a bad case of identity theft. You need to protect yourself and your son in a number of ways, starting by pulling your most recent credit reports, examining them for any other accounts that you may not know about, and then putting a credit freeze on your credit reports. Read this article for more information about how a credit freeze can protect your credit rating.

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