Credit Counseling Debt Consolidation Debt Management
Q: I have a lot of bad items on my credit report, due to ID theft. It took me a long time to discover it ("my" address had been switched to other addresses), so some accounts got sold to collection agencies. So I did what I assumed was the right thing: told the credit reporting agencies, wrote each creditor or agency, explaining what happened, even giving them the identity of the thief. With each letter I included a copy of the police report, photocopy of my driver's license, affidavit of fraud. I also asked, specifically and in bold print, for documents for each account (applications, etc.) -- which I am entitled to by law
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