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LESSON 09 : Restoring Your Credit After Identity Theft
Course
Farah Javed
A step-by-step masterclass guiding you through restoring your credit after identity theft, using legal tools, official templates, and federal consumer protections.
This micro-learning masterclass demystifies the process of restoring your credit after identity theft. Designed for anyone impacted by fraudulent accounts, suspicious credit inquiries, or data breaches like the Equifax incident, this course empowers you with clear, actionable steps. Learn how to confirm if your data was compromised, prepare and file official FTC Identity Theft Reports, file and escalate disputes with credit bureaus, and use federal statutes to protect your rights. Each module provides a practical overview, concise learning outcomes, and downloadable resources, including templates and scripts. By the end of this course, you’ll know how to freeze your credit, opt out of data brokers, escalate unresolved cases to the Consumer Financial Protection Bureau, and, if necessary, threaten arbitration or legal action. Whether you’re new to credit repair or looking for a legal edge, this course provides the knowledge and tools to effectively restore your financial reputation and peace of mind.
Here is the course outline:
1. Introduction to Credit Recovery After Identity TheftGain a clear understanding of how identity theft impacts your credit, why large breaches like Equifax matter, and what the full 61-day recovery roadmap looks like. 7 sections
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2. Verifying Your Breach StatusWalk through the Equifax Settlement Checker to confirm whether your personal data was compromised and learn how this status strengthens your legal position. 7 sections
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3. Creating Your FTC Identity Theft ReportFollow a guided, step-by-step process to generate an official FTC Identity Theft Report that compels credit bureaus to act within four business days. 7 sections
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4. Contacting Credit Bureaus the Right WayMaster effective call scripts for Equifax, Experian, and TransUnion to place fraud alerts, freeze reports, and initiate formal disputes using your FTC report. 7 sections
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5. Freezing Credit and Opting Out of Data BrokersReduce future exposure by placing security freezes and opt-outs with LexisNexis, SageStream, and Innovis, while saving confirmation numbers for your records. 7 sections
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6. Compiling a Winning Dispute PacketAssemble a legally robust dispute packet—cover letter, FTC report, ID, proof of address, and highlighted credit report—and send it via certified mail. 7 sections
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7. Filing Your First CFPB ComplaintEscalate unresolved disputes by submitting a detailed complaint to the CFPB, attaching all supporting documents and citing key federal statutes. 7 sections
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8. Re-Disputing and Maintaining MomentumAfter 30 days of inaction, resend your dispute with updated documentation and reiterate legal obligations to keep pressure on the bureaus. 7 sections
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9. Issuing a Second CFPB Complaint for NoncomplianceFile a second CFPB complaint highlighting continued noncompliance, attaching prior complaints and updated letters to compel faster resolution. 7 sections
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10. Summary and Final Arbitration StrategiesReview the complete 61-day timeline, confirm clean credit reports, and learn how to leverage arbitration or small-claims threats if bureaus still fail to act. 9 sections
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