Identity Theft This is where you claim that all or some of the items on your report are resulting from identity theft. You attempt to get them blocked using section 605B of the FCRA. You must use an official police report and affidavit.
Here’s the verdict on this: it doesn’t work. Why? Because millions of consumers used this illegally even thought the debts actually belonged to them and now, even if you are truly a victim, it’s almost impossible to get it done in within the four business days that section 605B calls for. Can you get it done in a few months? Sure, if you have all the required documentation, dispute with the creditors as well and have supporting documentation. If this method is used (either by the consumer or a credit repair company – with or without the consumer’s knowledge), the items will be temporarily deleted and then reinserted back to the credit report shortly after when the creditors verify the debts as accurate. Once they are reinserted due to verification on identity theft, it’s 10x more difficult to get them removed under different reasons; sometimes impossible! Why? Because now the bureaus know what you’re trying to do and you’ve started your quest for better credit by telling an outright lie.
This isn’t you best option. Any credit repair service that tell you to get a police report when you identity has not been stolen should be avoided.