Strange inquiries on your credit report? Denied a loan due to unfamiliar accounts? These are red flags of identity theft. Don't panic – with the right help, you can fight back against this type of crime and regain control. Cook Law, LLC specializes in identity theft defense, helping victims like you restore their financial well-being.
Reach Out For a Free COnsultation
We'll Guide You Through the Process
While identity theft is alarming, it doesn't have to ruin your life. We'll walk you through the steps of resolving this, protecting your rights, and getting your credit back on track.
Simple Steps to Fight Identity Theft
Step 1: Get Your Full Credit Reports
The foundation of fighting identity theft is knowing exactly what's on your credit reports. Here's how to get free copies from the three major credit bureaus (Equifax, Experian, and TransUnion):
Step 2: Scrutinize Your Reports
Once you have your reports, go through them carefully. Look for:
Need Help? It's Okay!
If any of this seems overwhelming, don't worry! An identity theft defense attorney can guide you through the process and ensure everything is done correctly.
Important: Don't rely solely on services like Credit Karma. They may not show the full picture of your credit.
Contact A Dedicated IDENTITY DEFENSE LAWYER
Free Consultations 24/7
If you or a loved one are one of the thousands of people in the U.S. that have been a victim of identity theft, Cook Law, LLC has you covered! Get in touch with an attorney today to receive your free consultation. Simply click one of the buttons below to contact an identity defense attorney near you!
CHICAGO, IL
2800 N Lake Shore Dr UNIT 4115 Chicago, IL 60657
St. Charles, MO
2025 S Brentwood Blvd Ste 201 Brentwood, MO 63144
Why Bad Credit Matters – Even if You Don't Need Loans
Many people mistakenly think bad credit only matters if you're applying for new credit. However, inaccurate items on your credit reports can have far-reaching consequences:
It's About More Than Just Credit Repair
A skilled identity theft defense attorney doesn't just fix your credit. They:
Don't Fall for Credit Repair Scams
You have the power to fix your credit yourself. Don't waste money on shady credit repair agencies.
CHICAGO IDENTITY THEFT LAWYER
St. Charles IDENTITY THEFT LAWYER
Gathering Evidence for Your Dispute
To successfully challenge credit errors, especially those caused by identity theft, you'll need strong documentation. Here's what you should collect:
Seeking legal help from an identity theft defense attorney can be crucial when navigating the complexities of fixing your credit. An experienced attorney will guide you through obtaining essential documents like a police report and FTC affidavit, ensuring that your evidence is comprehensive and persuasive. Moreover, they'll take charge of communication with credit bureaus, advocating forcefully on your behalf to get those damaging errors removed.
Don't Give Up!
If the credit bureaus initially refuse to remove the errors, don't worry. This often strengthens your case if you need to take further legal action.
Results Matter
$425,000 WON
ID Theft/Mixed File Case
$420,000 WON
ID Theft Case
$325,000 WON
Mixed File Case
$200,000 WON
Mixed/Merged File Case
“Past results provide no guarantees for future outcomes. Each case is different and must be judged on its own merits.”
When Credit Bureaus Refuse to Fix Errors
If, after repeated disputes, the credit bureaus stubbornly maintain an inaccurate item on your report, they're violating the Fair Credit Reporting Act (FCRA). This is where an identity theft defense attorney becomes essential. They'll help you file a lawsuit to force the removal of the negative information.
Don't Be Intimidated by Legal Action
While lawsuits may seem daunting, your attorney handles the bulk of the work. Your main responsibility is to provide supporting documentation and be responsive.
Building Your Case
Before we start an identity theft case, gather evidence demonstrating the damage caused by the credit error:
- Denial letters for loans or credit cards
- Records of higher interest rates on existing loans
- Increased insurance premiums
- Any other negative financial consequences
If you haven't faced any of these issues, consider applying for credit to illustrate the impact of the error on your financial standing.
We Also Specialize In
Identity Theft | Credit Reporting Errors | Mixed File Credit Report | FCRA Lawsuits | Deceased Credit Report | Background Check Law