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False Civil Judgment


Follow each step to begin the process of clearing your name:

1 Organize Your Case

Keep a detailed log in a spiral notebook of all phone calls you receive or make including the name of the person you spoke with, that person’s title, phone number, and what was said during the conversation. Keep loose papers in a notebook or accordion folder.

To print a form that can be used to keep track of the contacts you make, click on Contact Tracking Sheets.

2 Contact the Court

Contact the court that issued the order and report that you are a victim of identity theft. You may have to appear before a judge. Ask the court what documents are needed to prove your innocence. Be prepared to present proof of your identity and supporting documentation disputing the charges and/or warrant.

You may want to retain an attorney to assist you with this process. You can call the Utah Bar Association at (801)531-9077 to find an attorney, or visit www.utahbar.gov

3 Initiate a Fraud Alert

Initiate an Initial Fraud Alert (90-day Fraud Alert) on your credit files by contacting one of the three major credit-reporting agencies (CRAs). As soon as that agency processes your fraud alert, it will notify the other two agencies. All three CRAs will place fraud alerts in your credit file. You will then receive a free copy of all of the information in your file from each of the three agencies. You will also receive a notice of your rights as an identity theft victim. An Initial Fraud Alert can make it more difficult for someone to get credit in your name because creditors are required to call you before extending credit. An Initial Fraud Alert stays in your file for at least 90 days and can be renewed.

You can also ask for an Extended Alert (7-year Alert), which stays in your credit file for seven years. If you ask for an Extended Alert, you will have to provide a copy of an identity theft report, which is a report you have filed with a federal, state or local law enforcement agency. An Extended Alert entitles you to two additional free credit reports from each CRA in a 12-month period following the placing of the alert.

To place either of these alerts, a CRA will require you to provide appropriate proof of your identity, which may include copies of your Social Security card, driver’s license, and/or utility bills. You may cancel the fraud alerts at any time.

Experian
P.O. Box 9532
Allen, TX 75013
1-888-397-3742
www.experian.com

Click here to file an initial fraud alert online 90-Day Fraud Alert

Equifax
P.O. Box 740250
Atlanta, GA 30374-0241
1-800-525-6285
www.equifax.com

Click here to file an initial fraud alert online 90-Day Fraud Alert

Transunion
P.O. Box 6790
Fullerton, CA 92834-6790
1-800-680-7289
www.transunion.com

The Fair And Accurate Credit Transactions Act (FACTA) gives all consumers the right to one free copy of their credit report each year from each of the credit reporting agencies. All three credit-reporting agencies have additional information regarding identity theft and the FACTA on their web sites.

You may request that only the last four digits of your Social Security number appear on your credit report. In all communications with the credit reporting agencies, you will want to refer to the unique number assigned to your credit.

4 Review Your Credit Report

Order your free credit reports online at www.annualcreditreport.com. Check your credit report regularly. Look for accounts that you have not opened; charges that you have not made; inquiries that you have not initiated; and default and delinquencies that you have not caused. Check that your name, address, and Social Security number is correct on all reports. File all of the appropriate reports on this web site and follow the step-by-step instructions.

5 File an Identity Theft Report

If you are a victim of identity theft, be sure to complete the False Civil Judgment complaint item on this web site. Report ID Theft

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