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How to Remove All Identity Theft Negative Items from a FICO Credit Report in 4 Days or Less Using FCRA § 605(b) Blocking This technique allows for the removal of negative items from a FICO credit report in just four days, compared to the standard 30-day removal timeframe under FCRA § 609 disputing. The entire process can be completed remotely using a computer or smartphone with an internet connection. This method can eliminate all negative accounts and delinquencies on a FICO report, as well as hard inquiries, collections, and charge-offs resulting from the fraudulent accounts. Required Websites: - https://www.identitytheft.gov - https://www.consumerfinance.gov Required Documents and Proof: - Affidavit of Truth Templates (used as proof of identity; must be notarized) – Found in Level - Proof of Identity and Proof of Address for all three credit bureaus – Found in Level 2 Understanding FCRA § 605(b) BlockingFCRA § 605(b) allows consumers to request the blocking of credit report information that is the result of identity theft. Once blocked, the fraudulent information will no longer appear on the report and will not affect the consumer’s credit score. Steps to Invoke FCRA § 605(b) Block: 1. Provide Proof of Identity Theft – Submit a police report or FTC Identity Theft Report to the credit reporting agency. 2. Identify the Fraudulent Information – Clearly specify the accounts or entries on the credit report that resulted from identity theft. 3. Request the Block in Writing – Send a written request to each credit reporting agency, along with your proof of identity theft and identification documents. Once the credit reporting agency receives your request and supporting documentation, it must block the fraudulent information from your credit report promptly, protecting your credit history and score from the damaging effects of identity theft.