Identity theft is the unauthorized use of your personal information (SSN, DOB, etc.) to open new accounts or commit fraud. Credit fraud is unauthorized use of an existing account (stolen card number, account takeover). Both have FCRA protections, but the dispute paths differ. Here at Credisure Fix, we determine which type of fraud has occurred and apply the right removal strategy.
Understand the next steps
Explore these related guides for more detail, practical considerations, and sources.
Identity Theft on a Credit Report: First Steps Before You Apply Again
Fraud accounts and mixed-file information can damage approvals. Learn what to review before applying for credit, housing, or banking again.
Collections vs. Charge-Offs: What Is the Difference on a Credit Report?
Collections and charge-offs are not the same thing. Learn how each can appear on a credit report and why both should be reviewed carefully.
Debt Validation vs. Credit Dispute: What Is the Difference?
Debt validation and credit disputes are different tools. Learn when each one matters and why the wrong approach can waste time.