you can once its all been cleared up, and that will take some time.
even if you DID open a bank account right now, your creditors would put a lien on it until you proved you were a victim.
just straiten it out; it takes time.. and lots of it, but its got to be done... i know. these links will tell you step by step what you need to do.
--10 MILLION people per year are victims of Identity Theft.
--Todays target for criminals; children and teens identities (SS#). Why? Because parents never think to check/protect their childrens reports.
1) run a free credit report from each agency (your allowed one free one per year, per agency). you need to know, so you need to get them.
2) Check your childrens also.
2) if ID Theft has occurred, you need to make a police report first. the rest of what you need to do, is listed in the links below (with GREAT info too).
3) some states allow you to 'lock' or 'freeze' credit reports; to protect against theft. if your state allows it, lock 'em down. that way, no one can open an account on them.
4) once you discover their credit reports have activity on them, then contact each credit reporting agency (the 3 major ones) and report the ID Theft... and request they lock the reports (usually they automatically do it, but ask for it anyway).
ID THEFT HELP/ INFO
http://idtheftcenter.org/index.shtml
http://ftc.gov/bcp/edu/microsites/id...
http://ftc.gov/bcp/conline/edcams/cr...
http://fraudguides.com/consumer-identity-theft-children.asp
http://ripoffreport.com/
http://fightidentitytheft.com/
http://ncpc.org/media/current.php
https://rn.ftc.gov/pls/dod/widtpubl$.startup?Z_ORG_CODE=PU03
http://myidfix.com/
FAIR DEBT COLLECTION
http://ftc.gov/bcp/conline/pubs/credit/fdc.htm
STATUTE OF LIMITATIONS
http://fair-debt-collection.com/statue-limitations-explained.html
EACH STATES SoL
http://fair-debt-collection.com/statue-limitations.html
http://fair-credit-reporting.com/credit-laws/credit-reporting-periods.html
CAPITAL ONE
http://articles.moneycentral.msn.com/Banking/YourCreditRating/WeirdStuffThatHurtsYourCredit.aspx?GT1=8885
Capital One refuses to report its customers' credit limits to the three major credit bureaus. Instead, the bureaus use the highest balance a customer has charged as a proxy for the limit.
As a result, the customers' all-important "debt utilization ratios" -- the portion of their available credit these borrowers are actually using -- can appear artificially high. That can depress borrowers' credit scores, the three-digit numbers lenders use to help determine creditworthiness.
Lower credit scores can mean higher interest rates on mortgages, car loans and other borrowing, as well as potentially higher insurance premiums, since many insurers also use credit-scoring systems to help gauge risk.
CREDIT REPORT INFO / REPAIRS / DISPUTES
http://ftc.gov/bcp/edu/pubs/consumer/credit/cre21.htm
http://kiplinger.com/columns/starting/archive/2007/st0221.htm
http://bankrate.com/brm/news/cc/20040116b1.asp
https://annualcreditreport.com/cra/helpfaq
http://bankrate.com/brm/news/forms/credit-report-error-fix.asp
http://bankrate.com/brm/news/bankruptcy/20070313_credit_report_stains_a1.asp
http://bankrate.com/brm/news/forms/credit-report-error-fix.txt
http://bankrate.com/
http://occ.treas.gov/customer.htm
TO ORDER A FREE CREDIT REPORT
(all three are free once a year)
Equifax
P.O. Box 740241
Atlanta, GA 30374
equifax.com
1-800-685-1111
_______________
Experian
P.O. Box 19719
Irvine, CA 92623
experian.com
1-888-397-3742
_______________
TransUnion
P.O. Box 2000
Chester, PA 19022
transunion.com
1-800-916-8800
FIND YOUR REPS
http://usa.gov/
http://usa.gov/Agencies/State_and_Territories.shtml
http://nga.org
http://naag.org/attorneys_general.php
http://judiciary.senate.gov/
ahmm....I can get my name in good standing by means of verifying in the government the incident that happen in my account and I can open another account.........
my sympathies man. thats a real bummer.
