Anna Maria Andriotis
speaker
3,396 appearances
52 recordings
1 series
first heard Jul 2017
last heard Dec 2022
Anna Maria Andriotis’s voice in public audio — every appearance, attributed to the second.
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Appearances
The purpose of creating this site was to make it easier for people to get an identity theft report in order to be able to file a claim with a credit reporting firm.
However, it also has made it easy for fraudsters.
Great to be speaking with you.
So there's tons of things that people would want to get off their credit report.
Bankruptcies, if they had a missed payment to their credit card or to some other type of loan, credit cards that are maxed out, things that might make people look like they're too in debt.
There's an industry essentially that makes its money by telling people that it can remove negative items from their credit report.
And these companies are called credit repair firms.
they're all over social media and they really do attract people's attention.
So when, you know, people present themselves as, you know, I'm with a credit repair company and I can help you increase your overall credit standing and you can get that car you want, or you can become a homeowner that becomes really appealing to people.
What people don't
often know is some of the tactics that some of these companies use in order to increase their credit scores and get negative items removed from their credit reports because federal law that governs the credit reporting industry states that as long as a consumer files all the required documents
with the credit reporting firms when they're making the allegation of identity theft.
The account needs to get removed from the credit report within four business days.
Now, if the investigation finds that actually this was a legitimate account, the credit reporting firms can add that back on to the credit reports.
But there's that interim period where the negative information gets quickly removed from the credit report.
A person's credit score goes up.
A person is able to go and apply for credit looking like a pretty decent borrower and get approved for credit that they otherwise would not have gotten approved for or get approved for it at a lower interest rate they would have otherwise received.
So their primary purpose is to get negative information removed from credit reports.
They send letters
usually on behalf of their consumer clients, to the three credit reporting firms, Equifax, Experian and TransUnion, saying that a particular account or accounts need to get removed from people's credit reports.
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