Senior engineer, age 36 · San Francisco, CA · 6 months
San Francisco Engineer Restored 220 FICO Points After Identity Theft
Identity theft opened 12 fraudulent accounts. CloudsCreditRepair™ filed FTC reports, fraud blocks, and bureau disputes to restore the file.
FICO 8
491711
Fraudulent accounts on file
120
Challenge
12 fraudulent accounts ($47K total) opened over 4 months while traveling abroad. Score dropped to 491; mortgage refinance blocked.
Approach
- 01Filed an FTC IdentityTheft.gov report to anchor every dispute.
- 02Placed an extended fraud alert and 7-year freezes at all three bureaus.
- 03Filed FCRA §605B block requests on every fraudulent tradeline.
- 04Coordinated with creditors for account closure and chargeback recovery.
Outcome
All 12 fraudulent accounts blocked and removed within 90 days. Score recovered to 711, and refinance closed at a 5.8% rate.
FAQs
What is FCRA §605B?
A federal block right: when a consumer submits an identity-theft report, bureaus must block the disputed information from appearing on the report within 4 business days.
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