Credit
Table of Contents

WJFA offers the best insight on how to undo the damage caused by false or misleading credit reports and Investigative Consumer Reports.

Credit damage and negative Investigative Consumer Reports have been fraud victims worst nightmare because it presents a false negative image of the victim.

The method of employers using Investigative Consumer Reports, to determine eligibility for employment, has derailed fraud victims' careers.

Check out the section below to see the many links to helpful tips and examples of how to take on the credit reporting bureaus and force them to fix the errors.

4 out of 5 Credit Reports Have Errors

Several studies over the past 15 years have documented mistakes in credit reports.

This newest study, however, conducted by the National Association of State Public Interest Research Groups, is the most alarming. It discovered that 79 percent of all credit reports contain some type of error - and 25 percent contain such serious errors that those individuals could be denied credit.

Techniques for Building a Good Credit Rating

Elevens stops to clean up your credit score and or improve your score.

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Impotent Rage

You've been through hell. Inside, you always feel like you're about to explode. Little things push your buttons. Psychologists call it Impotent Rage We have strategies from a psychologist to help you.

Foreclosure Fraud

They are always watching, waiting for you to falter so they can profit off your misery or hardtime. Lending fraud and foreclosure scams are rampant across the country.

Take Action

Don't ever give up is WJFA's battle cry to victims. Take Action is our help center. Everything from how to file a criminal complaint, to an on-line group for emotional support. 

Legal Self Help

WJFA's volunteers have a bevy of tips to help you navigate the legal system.  If you don't find it here, the support group will help.

How to File a Complaint

Getting law enforcement or District Attorneys attention when a white-collar crime occurs, is frustrating for fraud victims. WJFA provides sample formats and guidelines for an effective communication to get law enforcement's attention.

Credit Reporting Bureaus Lag in Fixing Errors

Victims of Identity Theft say the worst of their nightmare has been the credit reporting bureaus and law enforcement -- nobody cares and no one is helping the victims. Victims' lives are in turmoil for years. Some report that after 5 years they still have not been able to get the credit reporting bureaus to correct the errors.

Understanding Credit Rating

WJFA gives you the bing, the bang, and the boom about credit rating, how its done, what is factored in, and how fraud victims need to know this to protect themselves and undo the damage.

The Sharks

It's fraud victims worst nightmare after the crime: credit reporting bureaus misleading information that derails victims' careers or ruins their credit history.

Help for fraud victims dealing with false or misleading information on their credit reports and Investigative Consumer Reports.

This link is stocked full of helpful insight, how to protect yourself, what your rights are, how to defend your rights, and where to file complaints.

 

Suing Credit Reporting Bureaus to Undo Identity Theft Damage

Four years ago a thief stole Carol Mixon's identity and ruined her credit rating. She is a court reporter, working in Shreveport, LA.

The imposters were 500 miles away in Houston, Texas shopping on credit cards in her name. That was four years ago.

Her credit is still in shambles and the credit reporting bureaus refused to work with Mixon to remove the damaging information that she was not responsible for. When she applied for a mortgage the answer was: Forget it. She has been forced to sue the credit agencies because they refused to remove the false information.

Predatory Lending Practices of Credit Card Industry.

Even if you make your credit payments on time, credit card companies can increase your percentage rate if you're late on payment with a different lender.

PBS' venerable Frontline did a superb job of uncovering the dubious conduct of credit card companies in a segment titled: Secret History of the Credit Card.

Disputing Credit Reports

WJFA provides insight on how to force the credit reporting bureaus to remove false information on your credit report. Includes a sample letter for disputing false information.

You're Not Alone

"No one understands what I am going through." ---- "I am financially ruined from the fraud."

You're not alone. It is common to feel angry about the injustice, feel betrayed by the system, and be depressed about being victimized. WJFA is operated by volunteer fraud victims denied justice. We understand how you feel. We're here if you need to talk or need support.

Support Group

There is no how-to manual for fraud victims for recovering from the crime and cleaning the mess.

We know its bad out there and it feels like you are alone. If you would like moral support, please come to our public forum. You'll find the group is full of good, kind, and intelligent people that have walked in your shoes. We're here if you need moral support or just want another victim's perspective on how they handled the crime.