How do you repair credit after identity theft?

<p dir="ltr" style="line-height:1.2;margin-top:9pt;margin-bottom:9pt;">Repairing credit following identity theft can be complex. Here are some important steps to follow in addition to hiring professional help.</p><ul><li>Notify creditors and banks as soon as possible. Many may provide protections that limit a person's liability, but the coverage works best when issues are reported right away.</li><li>Report the issue to the <a href="http://www.identitytheft.gov/">Federal Trade Commission</a>.</li><li>Make a report to the local police to get an official report document.</li><li>Request a credit freeze so the fraudsters can't get credit in the person's name in the future.</li><li>Check credit reports and look for inaccurate information related to the fraud.</li><li>Work with a credit repair company to dispute that information.</li></ul>

Is credit repair legal?

Yes, credit repair is legal. In fact, under the Fair Credit Reporting Act, people have a right to an accurate credit report. Companies that legitimately help achieve this are simply supporting those rights with experience and professional guidance. That being said, there are companies that run credit repair scams. Companies that ask for large payments up front or guarantee a clean credit report or improved credit score may not be legitimate. It's illegal for a credit repair company to make a guarantee.

Can a credit repair company remove late payments?

Inaccurate reports about late payments are, in many cases, one of the easier things to get removed. An individual can send a letter to the credit bureau in question with a copy of a statement or canceled check showing that they made the payment on time. That may be enough for the item to be removed. If the payment was made on time but wasn't appropriately recorded by the creditor, you may need professional help from a credit repair expert to address the issue.

5 Best Van Nuys Credit Repair Companies

Apex Credit

22143 Cantlay Street, Canoga Park, CA 91303

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Credit Monitoring
Credit Audit

Apex Credit works with Van Nuys residents, offering various solutions for securing future financing options. The firm remedies customers' FICO scores. It removes derogatory accounts and negotiates more manageable payment deals for outstanding debts. It also educates clients on the best practices available when it comes to managing monetary obligations. Apex Credit has over a decade of experience helping out debtors in the Los Angeles area. The office works with major credit agencies, such as Experian, Equifax, and Trans Union.

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Credit Boss

600 Wilshire Blvd Suite #500, Los Angeles, CA 90017

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Credit Monitoring
Credit Audit
Credit Dispute

Credit Boss assists clients throughout Van Nuys and its neighboring areas. It helps clients with credit problems improve their credit scores. Its team obtains and analyzes credit reports from Experian, Equifax, and TransUnion. Its team of attorneys and paralegals then reviews these reports and creates correspondence to the credit bureaus and creditors. Dispute letters are mailed by its team to remove inaccurate information on the report. Additional services offered by the company include apartment and automobile lease credit services and employment verification.

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Dr Credit Firm

PO Box 266, Van Nuys, CA 91408

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Credit Monitoring

Dr Credit Firm serves consumers and businesses in Van Nuys. It offers credit repair services to remove mistakes and negative items from a client's credit report, including charge-offs, judgments, tax liens, medical bills, late payments, and credit card debt. Its team prepares all the documents needed in the process from start to finish. The company provides credit education on removing negative credit report information and the regulations in place for credit reporting. Dr Credit Firm also assists with mortgage credit.

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Lil Credit Repair

19725 Sherman Way, Winnetka, CA 91306

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Debt Consolidation

Lil Credit Repair is a company that serves individuals in Van Nuys and the surrounding areas. It provides credit repair solutions to help improve clients' credit scores. It assists in identifying and removing questionable and inaccurate items that affect the credit standing and consequent financial outlooks. It also handles credit restoration matters, including collections, personal and student loans, charge-offs, repossessions, and inquiries. As company policy, it works to increase credit scores from 50 to 200+ points in less than 45 days.

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Second Chance Credit Restoration

14429 Ventura Blvd Suite 111, Sherman Oaks, CA 91423

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Credit Dispute

Second Chance Credit Restoration serves individuals from Van Nuys and the surrounding areas. The firm assesses its clients' credit ratings and contests unfavorable issues such as tax liens, judgments, late payments, collections, and repossessions. Its staff collaborates with creditors and credit bureaus to improve its customers' credit ratings. Additionally, the business educates and advises its clients to help maintain the restored consumer, business, and mortgage credit scores. Second Chance Credit Restoration's website allows clients to follow their real-time progress.

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Best Credit Repair Companies in Van Nuys

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Credit Repair Companies FAQs

Apex Credit

Credit Boss

Dr Credit Firm

Lil Credit Repair

Second Chance Credit Restoration

Frequently Asked Questions

Q: How do you repair credit after identity theft?

Q: Is credit repair legal?

Q: Can a credit repair company remove late payments?

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