You are here:

Credit Repair/Payday loans/Grants/Auto loans

Advertisement


Question
In 2011 I was down and out. I applied for online loan after loan and was denied.



I am now stable, working and repairing my credit.

As of yesterday, I've been bombarded with loan companies responding to applications. I've not applied in 2-3 years.

I am trying to figure out if they are just now responding to my improved credit or if someone is trying to obtain credit/loans in my name.

I've asked for the address of the application I supposedly applied with and they give me the old address I was at almost 3 years ago.

Do you know what is going on?
Also interested in credit repair without a credit repair company.

Thanks,

Tracy

Answer
Tracy,

I do not know what is going on. I can hypothesize lots of scenarios but it may be best to take the safest route. You will need to assume that you are a victim of ID theft.

One of the best resources is www.idtheft.gov.

I suggest monitoring your credit. Some free sites are creditkarma.com  or quizzle.com. They are free but also may be inadequate for what you need is right now. There is a monthly paid one we like our clients to use because of its benefits like $1,000,000 ID theft insurance. It can be found at www.xcreditmonitoring.com

It may also be worth the money to place a security freeze on your credit as well.

Finally, a free credit repair source is http://diy.txclf.com  

Credit Repair

All Answers


Answers by Expert:


Ask Experts

Volunteer


Chris Ebert

Expertise

I can answer questions for Texas residents concerning issues that involve creditor and debtor rights. Specifically, I can answer questions concerning: FDCPA, FACTA, FCRA, and Texas state collections violations. Further I can guide consumers as how to repair their own credit with out the need for hiring a credit repair company.

Experience

For the last 10 years I have worked as a Sr. Paralegal in a law firm (https://txclf.com) that defends debtors against their creditors. I have reviewed thousands of credit reports and under the supervision of our attorney helped thousands of clients resolve their credit issues.

Organizations
The Ramos Law Firm

Education/Credentials
University of Texas at Austin

©2016 About.com. All rights reserved.