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Business Name – Credit Elect
No one, including you, deserves to be haunted by their credit mistakes of the past. If you are scared to apply for credit, because you are used to always hearing no, denied, and we are unable to… Or sometimes “you just need a co-signer”, “you have to pay 3x the rent”, and “your interest rate is 21%”. Then it’s time to free yourself from credit jail and get you’re score moving in the right direction. The Credit Elect uses legitimate and untraditional credit repair methods to help you with your credit. Since 2014 the owner, Will Frazier, has sought out to help people in your situation because he has been in your shoes as well as the shoes of the lender.
Set an appointment with us today!
Interested in credit restoration?
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If your social security number has been compromised in SC these are the steps to take
STEP 1 — SAME DAY (DO NOT DELAY)
☐ Place a Fraud Alert (1 phone call)
Call ONE credit bureau (they notify the others):
• Equifax
• Experian
• TransUnion
Request a 1-year fraud alert
☐ Freeze Your Credit (ALL THREE BUREAUS)
This immediately stops new credit from being opened.
☐ Freeze with Equifax
☐ Freeze with Experian
☐ Freeze with TransUnion
Credit freezes are FREE by law.
☐ Pull All 3 Credit Reports
Get reports from:
• AnnualCreditReport.com
Review line by line for:
☐ Accounts you didn’t open
☐ Inquiries you didn’t authorize
☐ Incorrect addresses or employers
STEP 2 — WITHIN 24 HOURS
☐ File an Identity Theft Report (FTC)
Go to:
• IdentityTheft.gov
Download and save:
☐ FTC Identity Theft Report
☐ Personal recovery plan
This is your primary legal protection document.
☐ Contact Every Fraudulent Creditor
For each fraudulent account:
☐ Call the creditor
☐ Say: “This account was opened due to identity theft.”
Request:
• Account closure
• Written confirmation
• Removal from your credit report
☐ Ask where to send:
• FTC report
• Photo ID
• Proof of address
STEP 3 — WITHIN 3 DAYS
☐ Dispute Fraud with ALL 3 Credit Bureaus
Submit disputes online or by mail to:
• Equifax
• Experian
• TransUnion
Attach copies of:
☐ FTC Identity Theft Report
☐ Government ID
☐ Proof of address
☐ Any letters from creditors
STEP 4 — SOUTH CAROLINA POLICE REPORT (RECOMMENDED)
☐ File a Police Report in South Carolina
Visit your local police department or sheriff’s office.
Bring:
☐ FTC Identity Theft Report
☐ Government ID
☐ Proof of SC address
☐ Credit report with fraudulent accounts circled
Ask for a case number.
STEP 5 — SOUTH CAROLINA ATTORNEY GENERAL (OPTIONAL BUT STRONG)
☐ File a Consumer Complaint
Submit a complaint with the South Carolina Attorney General.
Helpful if:
• Creditors won’t cooperate
• Accounts aren’t removed
• Collections continue
STEP 6 — IRS PROTECTION (IF NEEDED)
☐ If Tax Fraud Is Possible
File IRS Form 14039 with the Internal Revenue Service.
This prevents someone from filing taxes in your name.
STEP 7 — SECURE YOUR ID & ACCOUNTS
☐ Change email password first
☐ Enable 2-factor authentication
☐ Change bank and credit app passwords
☐ Contact phone carrier → add SIM-swap protection
☐ Monitor financial accounts weekly
STEP 8 — FOLLOW-UP (NEXT 30–60 DAYS)
☐ Track dispute deadlines
☐ Confirm fraudulent accounts are:
• Closed
• Removed from all credit reports
• Not sent to collections
☐ If collections call → send FTC report and demand removal
☐ Consider upgrading to a 7-year extended fraud alert
KEEP THIS “PROOF FOLDER”
☐ FTC Identity Theft Report
☐ Police report and case number
☐ Credit reports
☐ Dispute confirmations
☐ Letters/emails from creditors
☐ Call log (date, time, and contact name)