Vivix Credit Solutions is a licensed and bonded Credit Service Organization that has successfully assisted clients with Credit Repair and correcting or removing ID Theft accounts that contain inaccurate, questionable, and unverifiable information reported to the credit bureaus.

Although the credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate, mistakes of errors can and will occur and may affect your credit score.

Identity (ID) Theft occurs when your personal information is used without your consent to open accounts that you did not authorize. It is very difficult to prove identity theft to the credit bureaus because the thief typically has all of your personal information (social security number, date of birth, name address, etc.) When opening accounts.

Identity (ID) Theft is the largest growing crime and everyday hundreds, if not thousands, of individuals are becoming victims if Identity (ID) Theft. There are 3 typed of Identity (ID) Theft:

Business/Commercial Identity Theft  (using another's  business  name to obtain credit)
Criminal Identity Theft (posing as another  person when apprehended for a    crime) -Financial identity theft (using another's identity or obtain credit, goods and services) -Identity Cloning (using another's information to assume his or her identity in daily life) -Medical identity theft (using another's identity to obtain medical care or drugs)

Identity thieves typically obtain and exploit personally identifiable information about individuals, or various credentials they use to authenticate themselves, in order to impersonate them. Examples  include:

-Rummaging through rubbish for personal information (dumpster diving)
-Retrieving personal data from redundant IT equipment and storage media including PC's, servers, PDA's, mobile phones, USB memory sticks and hard drives  that have been disposed of carelessly at public dump sites, given away or sold without  having properly sanitized 

-Using public records about individual citizen, published in official registers such as electoral rolls

-Stealing bank or credit cards, identifications cards, passports authentication tokens ... typically by pick pocketing, housebreaking or mail theft.

-Skimming information from bank or credit cards using compromised or hand-held card readers, and creating clone cards 

-Using 'contactless' credit card readers to acquire data wirelessly form RFID- enabled passports

-Observing users typing their login credentials, credit/calling card numbers etc into IT equipment located in public places (shoulder surfing)
-Stealing personal information from computers using malware, particularly Trojan horse key logging programs or other forms of spyware

-Hacking computer networks, systems and database to obtain personal data often in large quantities 

-Exploiting breaches that result in the publication or more limited disclosure of personal information such as names, addresses, social security numbers or credit card numbers.

-Brute-force attacking weak passwords and using inspired guesswork to compromise weak password reset questions
-Obtaining casting of fingers or falsifying fingerprint identifications... or famously using gummy bears to fool low quality fingerprint scanning 

-Browsing social networking websites for personal details published by users often using this information to appear  more credible in subsequent  social engineering activities.

-Diverting victims e-mail or post in order to obtain personal information and credentials such as credit cards, billing and bank/credit card statements, or to delay the discovery of new records of new accounts and credit agreements opened by the identity thieves in the victims' names

-Using false pretenses to trick individuals, customers service representatives and help desk workers into disclosing personal information and log in details changing their password/ access rights 

 -Stealing checks to acquire bank information, including account  numbers and bank routing numbers  

 -Guessing social security numbers by using information found on the internet social networks such as facebook and myspace (14)

Countless steps must be taken to correct adverse effect identity (ID) Theft. As you can imagine the impact of Identity (ID) theft on your credit score can be in excess of 200 points, depending on how many accounts the thief opened.  Each account could also lead to collection activity  and legal action from  creditors.

Vivix Credit Solutions in Las Vegas will perform a free consultation to review your credit report with you, determine the best credit repair services and will also show you proof if ID theft corrections.
As noted in the Fair Credit Reporting Act, accounts that contain inaccurate, questionable and unverifiable information should  automatically be removed from your credit  report.

If you have an ID theft account and it has not been removed from your credit report, please contact our office for a free consultation with one of our Credit Experts to discuss how to remove the ID theft account from your credit report.