How Can I Deal With My T-Mobile Credit Report Fraud?

Question:

Dear Steve,

Completed BK CH 7 and my credit scores were on the rise.Then I received a bill from T-mobile for service I NEVER had. Now my credit is tanked again just when I was starting to recover. T-Mobile fraud is investigating but I don’t know how to find if this T-mobile fraud is what is causing the huge rapid decline in my scores but I need professional advice.

I found your page reading up on what was going on with my former “Lawyers” Mitchell Stein and Philip Kramer. They took me for $6K. Anyway, I need a professional to assess what the problem is with my credit and what I need to do to make sure there is not bogus information out there and if so how to remove it. Since I have been scammed before by lawyers, I want to make sure I have a reputable person. Since you kept up on exposing Stein/Kramer perhaps you can suggest a reputable service or firm. Thank you.

Jane

Answer:

Dear Jane,

I think this is actually something you can deal with yourself.

First, I would order a consolidated credit report which contains all three major credit bureaus. Take a look at this service as an example. I’d suggest getting the one-time report and not the subscription service. I like the consolidated credit report to make it easy for inexperienced people to compare entries side-by-side. Alternatively you can go to annualcreditreport.com but I think that free site can get complicated and confusing for many people.

Once you have your credit report in hand you can then do a little DIY Credit Repair. I would suggest you read this article by Michael Bovee, “How to Dispute: DIY Credit Repair.”

Sincerly,


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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