Photocopy of your pay stub displaying your full Social Security number Photocopy of your W-2 Photocopy of your health insurance card that contains your full Social Security
Address Verification (as required by the credit reporting agencies)
Clear copy of a current bill (utility, telephone, credit card, etc with your name and address clearly Clear copy of your driver's license with current mailing address
Your dispute documents will be prepared and mailed to you upon receipt of your identification.
Yes, you can. You can also represent yourself in a court of law. and do your own oil changes on your vehicles. We are a service company. Just as you are probably better at what you do than we would be, we are probably better at credit restoration than you would be. We offer experienced, professional help at very affordable rates for your convenience and benefit.
WILL THE CREDIT BUREAUS RESPOND TO ALL OF THE DISPUTES I SEND THEM?
The credit bureaus are required by law to respond to all correspondence. It is not uncommon for credit agencies to send letters stating they want more information, or that they will not re-verify an account. These types of responses are very common and customers should not be alarmed if they receive them. Customers must continue to send all correspondence they receive from the agencies to the processing center.
HOW LONG WILL IT TAKE THE CREDIT AGENCIES TO RESPOND AFTER I SEND THEM MY CHALLENGE LETTER?
You will receive updated credit reports from all three credit bureaus after 30 to 45 days. At that time you will see what was deleted and will need to mail the originals to us so that we can continue working on the remaining items. You will actually know what was deleted before we do, which is why it is so important that you forward all credit bureau correspondence within a few days of receiving it. If the credit agency does not respond to your dispute letter, do not be alarmed, a new dispute letter will be generated when your file is reviewed by the processing center every 60 days.
Can I Continue The Process After My Contract Expires? Yes, contact your sales agent. Due to the increased number of identity fraud cases reported annually, it is recommended that you continue your service with Identity IQ to monitor and review your credit reports on a quarterly basis.