FTC Identity Theft & 605B Block: Remove Fraud in 4 Business Days
File your FTC Identity Theft Affidavit and generate FCRA § 605B dispute packages for verified identity theft. Bureaus must block confirmed fraudulent items within 4 business days.
Identity theft isn't just terrifying — it's financially devastating. One fraudulent account opened in your name can send your credit score plummeting by 100+ points, and without the right legal strategy, removal can take months or even years. Many victims spend countless hours on the phone, filing police reports, and sending letters that get ignored.
There is a faster way. FCRA § 605B is one of the most powerful consumer protection statutes on the books. Under this provision, once you provide a credit bureau with proper documentation — including an FTC Identity Theft Affidavit and proof of your identity — the bureau is required by federal law to block the fraudulent information from your report within 4 business days. Not 30 days. Four business days.
Our FTC Identity Theft & 605B Block system automates the entire process. The tool generates your personalized FTC Identity Theft Affidavit, then produces individualized 605B dispute packages for each bureau, complete with cover letters, copies of your affidavit, government-issued ID verification, and proof of address.
The impact on your score is dramatic and immediate. Once fraudulent accounts are blocked, FICO's algorithms treat them as if they never existed. Users who complete the 605B block process often see score recoveries of 80-120 points within the first week.
Ready to invoke federal law and remove fraudulent accounts from your credit report in 4 business days? Start your 7-day free trial with Rapha Credit Repair and generate your FTC Identity Theft Affidavit and 605B block packages now. No credit card inquiry required.
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Start Your 7-Day Free TrialDisclaimer: The information provided on the Rapha Credit Repair Blog is for educational and informational purposes only and does not constitute financial, legal, or professional credit repair advice. Individual credit repair results vary. Rapha Credit Repair is a self-service software platform, not a credit repair organization or law firm.