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Please be so kind as free credit reports annual Honolulu to forward me documentation that you have free credit reports annual Honolulu had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. Sincerely, your name If you read that a credit inquiry was authorized by you, then write back that the inquirer's authorization form was too complicated and not easily understood by the layman and threaten to contact the State Banking Commission to complain about a deceptive and free credit reports annual Honolulu unclear authorization form if they don't remove your inquiry.

Send each letter free credit reports annual Honolulu Certified Mail Return Receipt Requested and keep close track of the time that you sent the letter. If COMPANY who was the inquiring creditor - the free credit reports annual Honolulu one you sent your letter to -- doesn't respond within thirty 30 days you can demand that the inquiry be removed immediately or you will take them to small claims court, complain to the State Banking Commission or similar Federal Trade Commission 202-326-2222 REPORT ESTIMATES EXTENT OF IDENTITY THEFT According to data from the National Crime Victimization Survey, which is conducted by the U.S. credit card fraud reporting Department of Justice, identity theft affected an estimated 3.6 million households--with losses totaling $3.2 billion--in the first six months of 2004.

The survey contacts a random sample of 42,000 households every six months and follows them for three years. The new data are from the first instance of the survey to specifically address identity theft. The most common types of theft were from unauthorized use of credit cards.

Households with annual incomes of more than $75,000 and those headed by free credit reports annual Honolulu individuals between 18 and 24 years old were more likely to suffer identity theft, free credit reports annual Honolulu though the survey did not investigate the possible reasons behind these trends. 3 April 2006 What Will My Experian Credit Report Tell Me? These are the details you provide us with when you free credit reports annual Honolulu become a CreditExpert member. dispute credit report When you join CreditExpert, you give us basic information that lets us identify you and free credit reports annual Honolulu find our credit report when you ask for it. If any of your details change, you can let us know by editing your profile.

This section lists all the organisations that have contributed information to your credit report. Its a central source of contact details for you if you want to query anything or find out more. Do you want to contact anyone? This section shows the dates that your name was registered on the electoral roll and free credit reports annual Honolulu the addresses you were recorded at. How free credit reports annual Honolulu lenders use the electoral roll Lenders check whether you are registered to vote at your current address as aprecaution against fraud. If they dont find you or youre registered at a different address, they may ask for further proof of identity or even turn you down. Are you on the electoral roll at your current address? Aliases are created when lenders tell us of other names you have been known by free credit reports annual Honolulu or when you tell us of other names you have used. Many people change their names when they marry or free credit reports annual Honolulu divorce. Others simply dont like the name they were born with or are given a title. This section lists your current and previous names here your aliases and allows you to find out who notified the name change. where to get free credit reports

Are all your names recorded correctly? Financial free credit reports annual Honolulu associations show details of anyone you are financially connected to. Financial connections are created by joint accounts, joint applications, joint court judgments or from information you free credit reports annual Honolulu give to us. When you take out a joint credit account, such as a joint credit card, you create a financial link with the other applicant, who is then listed in your credit free credit reports annual Honolulu report as a financial associate. Lenders may check the credit report of financial associates when you apply, because their financial free credit reports annual Honolulu circumstances could affect your ability to repay.