Why Is Identity Theft Repair Free At Imperial Ethics?
Because you did not cause it. Charging you for someone else’s crime is not something we are willing to do.
Fraudulent accounts are handled at no charge for every client. Our paid packages cover the rest of your file: the Credit FastTrack, the Debt Freedom Roadmap, or both. If your entire problem is identity theft, you pay nothing.
How Do I Know If I Am A Victim Of Identity Theft?
Most people find out from their credit report rather than from a phone call. These are the signs we see most often on Arizona files:
Accounts you did not open
A credit card, auto loan or store account appearing on your report that you have never applied for.
Collections for debts you do not recognize
A collector calling about a medical bill, utility or loan from a company you have never used.
Addresses that are not yours
The personal information section listing places you have never lived. This is often the first sign.
Hard inquiries you cannot explain
Lenders pulling your credit when you were not applying for anything.
A sudden score drop
Thirty or forty points gone with no missed payment and no new balance of your own.
A rejected tax return
The IRS saying a return has already been filed under your Social Security number.
What Do You Actually Do About It?
A fraudulent account is real, so a routine dispute just confirms it exists. We challenge whether it belongs to you at all, in writing, to every bureau and to the lender behind it. That is the argument that works.
1. Full review of all three reports
We map every account, address, inquiry and employer on your file and separate what is yours from what is not. Fraud rarely shows up on only one bureau, and the differences between them are often what proves it.
2. A written list before anything is sent
You get a marked-up copy of your file and a plain list of every item we intend to challenge as fraudulent. Nothing goes out until you have approved it.
3. Disputes filed on your behalf
We draft and send a dispute for every fraudulent item, to every bureau reporting it, and we go straight to the lender or collector behind the account as well. Every letter is kept on file and sent to our partner attorneys, so the record is already built if a violation needs pursuing.
4. Responses tracked and escalated
Bureaus have 30 days to answer. We tell you what came off, what did not and why, in plain language. When an answer comes back as a form letter with no real explanation, we push it further.
5. Attorneys when they keep reporting
A lender or collector that keeps reporting an account after being properly told has a problem. That is when our partner FCRA attorneys step in, at no out-of-pocket cost to you, and clients may be compensated where an item keeps reporting.
How Do The Partner Attorneys Work?
Fraudulent accounts were never verifiable, so identity theft files produce FCRA violations more often than ordinary ones. When a bureau or creditor keeps reporting one after proper notice, our partner attorneys take the case directly, including the FTC and police report paperwork. No additional fee for the attorney cost and nothing out of your pocket. You may be compensated where an item keeps reporting.
Imperial Ethics Credit Repair is not a law firm. Attorney involvement depends on the facts of each file, and outcomes are not guaranteed.
How Long Does Identity Theft Repair Take?
Bureaus have 30 days per dispute, so the work moves in rounds. Fraudulent accounts usually come off faster than ordinary items because there is nothing real to verify. Most files see movement in the first round; several accounts, or attorney involvement, take longer.
Identity Theft Help Across The Valley And Beyond
Our office is at 6751 N Sunset Blvd Suite 320, Glendale, Arizona. We handle identity theft cases, credit disputes and debt payoff planning across the Valley and in every state except Georgia; police reports are filed with your own local department, so distance is not a barrier.
Think Someone Is Using Your Identity?
Talk to us first. We will tell you exactly what is on your report that should not be, and the identity theft work costs you nothing.
