Just click on any question below to see our answer. We hope these brief exchanges will provide you with inspiration and insight as you continue your credit repair journey.

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Identity Issues Q & A

Identity Theft Worries

My mailbox was broken into and I’m worried that someone could have important identifying information. What can I do? Get Answer »

Unidentified Accounts

I’ve found some accounts on my report that are not mine, can credit repair fix this? Get Answer »

Benefits of Monitoring

Is there any reason I should use a monitoring service while I’m in the Sky Blue credit repair program? Get Answer »

Credit Repair and Your Identity

Several different types of identity issues may arise in the course of credit repair. These issues range from simple file merger errors to identity theft.

On one side of the scale, file merger errors are the least harmful and easiest to cure with credit repair. These almost innocuous events occur when another person’s file is merged with yours. This happens because the other person has a certain critical number of similar identifying characteristics. They do not have to have the same name as you, but that could very well be a factor.

The commonalities may be partial as well. In other words a common first name plus a few letters of your last name combined with four digits of your zip code and maybe a similar street name might be sufficient to cause the credit bureau software to combine your files. As inconvenient or even scary as this may be it is very easy to fix with a bit of credit repair.

On the other side of the scale is identity theft. This is a serious matter and should be dealt with as soon as it is noticed. Fortunately, the Fair Credit Reporting Act offers a quick resolution. You need to obtain a police report and send it along with a short list of required documents to the credit bureaus, and within four days the fraudulent accounts will be blocked from reporting and an investigation will be initiated. If you are in our credit repair program we will manage the entire process for you with the exception of obtaining the police report.

If you feel that your identity has been compromised it is well advised to monitor your credit for any unauthorized activity. We suggest an inexpensive monitoring service like the one offered by TransUnion to our credit repair clients with identity concerns. You will receive an email alert whenever there is any activity on your credit report. When it comes to your identity you are better safe than sorry!