How to Eliminate Credit Card Debt Due to Fraud
Eliminate credit card debt
Unfortunately credit card fraud is something that happens almost every minute of the day; it can be that someone gets a hold of your details and charges great a mounts to you even though you are not using the card. This debt can be added to your credit report and hurt you badly; you could get contacted by numerous collection agencies even though this debt isn’t yours. In reality you have been a victim of fraud but there are things in which you can do to eliminate this.
If you have noticed there are any payments or charges on your bank card or your credit card then you have to contact the company of your credit cards immediately. There should be an emergency number on your card or if you haven’t got the actual card the statements and alert them that you have not been using the credit card and that someone has been using your information to gets a credit card resulting in fraud. You also have to make aware that you are not going to be paying for this debt either and the credit card company will then stop the account and close it down so that no debt can be added and the card can’t be used again.
You have to call the police and fill out any and all necessary police reports which will have all the details written over the fraud debt so that if there has been any debts on your credit cards then can be documented so remember to take all of your documents over these debts to confirm you have been a victim of fraud.
You need to create a fraud alert on your credit reports with the three credit bureaus so that they know that you have been a victim of fraud and that information can be placed onto your reports and this will help to stop and get rid of your credit card debts which has been from fraud.
You have to keep on looking at your credit reports. This helps you to notice anything that has been an act of fraud on any of your accounts whether it is a credit card or bank charge. If you have been a victim of fraud then you are supposed to get a free copy of your reports so that you can see if there has been any fraud. You must file a dispute as soon as you notice anything wrong.
You should be contacting the credit card companies that have got your name on any cards that have not been used by you or has been issued to you personally. You have to tell them that you have not opened any accounts or have been using these cards either; remember to show all proof from the police that you have been a victim of fraud meaning you will not be responsible for debt.
You have to write to them yourself and demand that this debt is not yours and have to stop approaching you for any repayments.
If you are actually contacted by any debt collector or any agencies then you really have to make sure that this is your debt and no-one else’s so you have to get proof. Remember that is the one number priority for this.
If anyone is trying to collect a debt that was made via fraud then you have to make sure that you have got any and all reports to the police and any other documents that say you are not responsible for the debt. Since this is not your debt then you have to get that debt removed from your record and eliminate that from you and for them to stop contacting you about the debt.
