Customer Case Studies
Detection: The First Step
Sometimes identity theft can be lurking and compounding for years without your knowledge. By determining problem areas, ID Watchdog can fix the damage.
Richard Matos suspected that his identity had been stolen when he was unable to open credit accounts despite his good financial history. Richard’s suspicions were confirmed when he received fraudulent account information sent to his home, and was contacted by multiple creditors for accounts he never opened. The identity thief had struck Richard at the most unfortunate time, as he was preparing for deployment to Iraq and he and his fiancé were looking to buy a house together.
Richard’s first inclination was to try and take on the problems himself, and he set to work making the various phone calls and filing paperwork. When it proved to be incredibly overwhelming for Richard to do on his own, he enlisted legal counsel, which also was ineffective at cutting through the red tape.
Finally, when he had almost reached the end of his rope, Richard saw a commercial for ID Watchdog and decided to call us in a last-ditch effort before being deployed. Fortunately, ID Watchdog was able to quickly assess the damage. After his initial consultation with one of our Customer Service Representatives, Richard already had a list of the various unrecognized addresses associated with his identity. This gave him a clear indication that identity theft had occurred, and we proceeded to compile his ID SnapShot. Through this report, we were able to discern that he had fraudulent medical, utility and credit accounts in collections, derogatory information on his files relating to fraudulent bank accounts, and two criminal offenses reported for crimes Richard didn’t commit.
ID Watchdog began ID Rehab by first correcting the fraudulent information and clearing Richard of any collections responsibilities by closing all of the accounts in question. Also, our Certified Resolution Specialists worked on Richard’s behalf, using a Limited Power of Attorney, to have all fraudulent criminal offenses removed from his record. As a result, Richard and his fiancé are in the process of buying their first home upon his return from military service this year, and should have no problem obtaining a line of credit to do so, based on his restored record. When Richard first approached ID Watchdog, his credit score had dipped down to the low 500’s, due to the fraudulent information on his account. Now, with ID Watchdog’s help, he enjoys a favorable score in the mid 700’s. Richard and his fiancé are now also protected by ID Watchdog Plus, our monthly monitoring service, to ensure that they can move forward with their new life together, equipped with complete peace of mind.
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