How to Handle Identity Theft on Mortgage Loans
If you've been the victim of identity theft that directly impacts your homeownership, there are solid forms of recourse that you can take. Though it may be natural to feel overwhelmed and at a loss for how to process the situation after it's occurred, it is very much possible to have the situation dealt with through the right series of prompt steps.
The following information will detail the right way to make sure that you have a backup plan in case of identity theft and mortgage fraud at your expense. In addition, you will also learn how DoNotPay can be an incredibly powerful resource to make sure that this situation can be dealt with even more effectively than otherwise.
Defining Mortgage Loan Identity Theft
Mortgage loan identity theft can involve a number of things, including but not limited to falsified information about acquiring a home loan or even an incorrect guarantee of interest rates. The falsified information could even be used to present an inaccurate picture of an appraisal that leads to you paying either too much or even being misled about who the actual owner of a property is.
How to File a Report for Mortgage Loan Identity Theft on Your Own
Whether you are interested in selling a home or whether you are simply looking for a home yourself, you can be victimized by mortgage loan identity theft on either end of the spectrum. No matter what the circumstances may be that both fall you when you find yourself on the wrong and of this crime, there are a number of things that you can do to immediately work towards resolving the situation with minimal loss.
- First and foremost, you're going to want to make sure that you formally compile a fraud file.
- The fraud files can contain all the relevant information that informed the authorities about the logistics of the incident right down to the physical location, dates and all records of transactions that occurred leading up to the incident.
- The fraud file should also include:
- a police report and any names that you have which can be associated with the incident.
- any URL addresses link to websites that you may have visited leading up to the transactions or communications pertaining to the incidence of fraud.
- a credit report from all 3 bureaus that you have access to which can verify unauthorized transactions that occurred on your behalf.
Agencies to Report to in Case of Mortgage Fraud
In addition to the local police, the main agency that you want to make sure that you report to are the Housing and Urban Development Office of the Inspector General. In addition, if there's been any instance of a lending fraud, you will also want to report to the Federal Trade Commission Complaints Assistant.
How to Deal With Identity Theft Using DoNotPay
- Search "identity theft" on DoNotPay and select the type of incident you would like to report.
- Tell us more about the incident that occurred, including the location, date, time, financial loss, and any suspect information you may have.
- We'll identify whether you should file an FTC report, contact the IRS, freeze your credit report, contact state agencies, or file a police report. Once we guide you through the best options, we'll automatically submit the reports on your behalf!
And that's it! DoNotPay will make sure your issue gets sent to the right place. We'll upload confirmation documents to your task for you to view, and if the contacts need more information, they will reach out to you personally via email or mail.
Why Use DoNotPay to Report Identity Theft
If you take the protection of your identity seriously, then there are a number of strong reasons why it's wise to invest in DoNotPay's mortgage loan fraud assistance service. In addition to any case where you might repent on getting assistance for mortgage theft, DoNotPay also offers an accommodating assortment of identity theft protection services that you could find essential for your case.
- DoNotPay is capable of filing an official report sent directly to the FTC as soon as you need it delivered and have the relevant details.
- DoNotPay can file a police report on your behalf to make sure that the incident is on the record from the get-go, saving a tremendous amount of time in handling a very important priority from the outset of the situation.
- DoNotPay is also capable of establishing contact with the IRS and the US Department of Justice's National Center for Disaster Fraud.
DoNotPay Works Across All Different Types of Legal Matters With the Click of a Button
In addition to assistance with mortgage loan-related identity theft, the following are a number of other things in which DoNotPay can also be a valuable resource should the need ever arise.
|IRS Identity Theft||Unemployment Identity Theft|
|Credit Card Fraud||Social Security Identity Theft|
|Stimulus Check Theft||Equifax Theft|
|Experian Identity Theft|
If you're prepared to move forward with DoNotPay to make sure that you're protected from identity theft in all forms, or if you're interested in learning how much you can sue for identity theft, then register today.