6d • General discussion
4 day credit sweep!!
DAY 1 — THE DISCOVERY 🔍 (FACTA + 609 Warm-Up)
Credit Tip: “Every negative item is a claim. Identity theft turns the burden of proof BACK on the furnisher. You don’t prove innocence — THEY must prove authorship.”
Steps:
1. Pull all 3 full reports from https://apps.apple.com/app/id6484272411
2. Highlight ANYTHING you don’t recognize, don’t agree with, or that was opened without your express written consent.
3. Create a list: Account Name — Date — Balance — Why It’s Fraudulent (Unknown / Not Mine / No Contract).
4. Print & save PDF copies.
5. Gather:
Your ID
Utility bill
A blank FTC Identity Theft Statement (you’ll fill tomorrow)
DAY 2 — THE DECLARATION 🛑 (FTC + POLICE REPORT OPTION)
Credit Tip: “Once you declare identity theft, the law shifts — the bureaus MUST block the accounts within 4 business days under 15 USC 1681c-2. This is called a mandatory block.”
Steps:
2. Fill in EVERY disputed account from yesterday’s list.
3. Download your FTC Affidavit (PDF).
4. OPTIONAL but powerful:
File a police report stating the accounts are fraudulent or unauthorized.
You don’t need suspects. You simply state the accounts are unlawful.
5. Create a packet:
FTC report
Police report (if you did one)
Photo ID
Proof of address
Your “Fraudulent Account List”
DAY 3 — THE BLOCKAGE ⚔️ (Mandatory Blocking Letters)
Credit Tip: “609 deletes… but 1681c-2 BLOCKS. This is the law they cannot duck.”
Steps:
1. Write 3 letters (Experian, Equifax, TransUnion):
Include FTC report
Demand BLOCKING under:
15 U.S.C. § 1681c-2(a)(1)
“A consumer agency SHALL block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft.”
2. Mail all 3 letters CERTIFIED MAIL ONLY.
3. Keep your receipts.
4. Put a 90-day initial fraud alert on each bureau.
Result: They must block each item within 4 business days. That’s federal law — not optional.
DAY 4 — THE FINISHER 🦅 (Furnisher Liability Trap)
Credit Tip: “Once the bureaus block it, the banks cannot re-insert the account without giving you written notice under 1681c-2 and 1681i.”
Steps:
1. Contact each creditor (furnisher) directly.
2. Send them:
A copy of your FTC Report
A statement demanding all data about you be removed from their records
Citations:
15 U.S.C. § 1681s-2(a)(1)(A)
15 U.S.C. § 1681s-2(a)(2)
3. Demand:
Copy of the original signed contract
IP address for online applications
Any proof tying YOU to the account
4. 90% can’t provide anything → which creates:
Automatic deletion + civil liability
if they keep reporting false data.
5. End the cycle:
Freeze your reports
Lock your ChexSystems
Update your address with USPS & banks
Turn on 2-factor authentication everywhere
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4 day credit sweep!!
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