Frequently Asked Questions

FactorTrust, now part of TransUnion, focuses on providing alternative credit data, including short-term loan histories and subprime credit profiles. It helps lenders assess the creditworthiness of individuals who may not have sufficient information on traditional credit reports. Call 866-910-8497. If an error appears on your FactorTrust report contact us.

MicroBilt provides consumer credit data and background screening services. It offers services like Pay Rent Build Credit, which helps consumers build credit by reporting their rental payments to credit bureaus. MicroBilt also provides information on non-traditional credit activities, such as payday loans and leasing agreements. Call 800-884-4747. If an error appears on your MicroBilt report… [Read More]

Teletrack, a subsidiary of CoreLogic, is a consumer reporting agency that focuses on collecting alternative credit data. It provides lenders with information about individuals who have used payday loans, rent-to-own services, and other subprime financial services, helping them assess creditworthiness. Call 877-309-5226. If an error appears on your Teletrack report contact us. More information about… [Read More]

Credit card fraud is when someone opens a fake credit card account in your name without your permission or takes over your existing credit card account to make unauthorized purchases. This type of fraud is known as an account takeover. The person might use the credit card to buy something in a store, make an… [Read More]

Immediately call the creditor and dispute the credit card transactions. A victim of identity theft may not receive a bill until months or years later. Or, you may be notified when you receive your monthly statement. Also, check your credit reports and file a police report. Under the Fair Credit Billing Act if you receive… [Read More]

Your letter should include your name, account number, the amount of the error, and an explanation of why you believe there is an error. Also, if appropriate include a copy of the police report and FTC Identity Theft Affidavit. The letter should be mailed to the address found in the credit card statement for billing… [Read More]

Contact us for a free consultation. We help people who are victims of credit card fraud. We have more than two decades of experience helping and representing victims of identity theft and fraud. We file lawsuits on a contingency fee basis so you don’t pay our fees and costs unless you win at trial or… [Read More]

Bank transfer fraud occurs when someone illegally transfers money from your bank account without your permission. This includes transfers, withdrawals, or deposits from checking or savings accounts. Electronic transfers from checking or savings accounts are initiated through ATMs, Point-of-Sale terminals (POS) or Automated Clearing House Systems (ACH).

If you experience bank transfer fraud, the Electronic Fund Transfer Act (EFTA) outlines steps to protect yourself. First, notify your bank immediately, either in person, by phone, or in writing. If your debit card or access device was lost or stolen, report it within 2 business days to limit your liability to $50 for unauthorized… [Read More]

According to the Electronic Fund Transfer Act, consumers can notify their financial institution about unauthorized use in person, by telephone, or in writing. If you are a victim of bank transfer fraud, tell your bank the following information: Your account details or information sufficient to identify your account (such as the name on the account… [Read More]