1. You apply for a credit card and are turned down because of a low credit score, yet you know that you've always paid your accounts on time.

2. A debt collector calls to demand payment on a six-month overdue account for a credit card you have never had.

3. You receive a credit card in the mail that you've never applied for.


***You could be the victim of identity theft, whereby an imposter is using your personal information to obtain credit. Then, when the thief does not pay the bills, the company itself or a debt collection company contacts you to demand payment. As a result, your credit report is likely to contain negative information about your bill-payment history, and your credit score has probably been lowered considerably, making it difficult or impossible to obtain new credit yourself. Let the professional legal staff at CJS straighten out your credit life!