Identity Theft Question

[Turumbar]

I'm in the process of trying to help my girlfriend clean up her credit report. Long story short she lost her purse with all the goodies in '03. Someone then applied for 2 credit cards in her name, and maxed em out. You know the story from here, charged off and into collections. My question is can I still use ID theft affadavit as it has been 3+ years and she never filed a police report?

[razr]

Sure.

http://www.ftc.gov/bcp/edu/microsites/idtheft/consumers/defend.html#HowdoIprovethatImanidentitytheftvictim

-r

[jasen]

I don't think there's a time limit on it.

You should probably have her file a police report on those accounts instead. It will secure her more rights. The FTC form is really a bit toothless. Most creditors will honor it, but they are not required to.

[Ahntara]

When you send the COMPLETE LIST of required documentation from the FCRA, creditors HAVE to honor it. Many consumers use the FTC affidavit because of the convenience of the form, but the law only calls for a 'statement'.

The list of required docs is found in 1681c-2, subsection 6605B.

The definition of, and reason for, a proper ID Theft report is found at 1681a, subsection 603(q).