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When family members steal your identity?

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ajohnson84



Joined: 01 Aug 2008
ajohnson84's page
Posts: 1



73 Magic Points
Subject: When family members steal your identity?
 
 Posted on Fri Aug 01, 2008 12:43 am  
This is a tough situation for my boyfriend. We are going through the process of getting a mortgage and found out that his father has opened accounts and maxed out the limits! What can you do when a family member opens up fraudulent credit cards in your name causing it to lower your credit score? Please help!
 
Mary

Mary

Joined: 06 Jul 2006
Mary's page
Posts: 322



8655 Magic Points
 
 Posted on Fri Aug 01, 2008 7:14 am  
Hi
All your boyfriend needs to do is to immediately contact the credit bureaus and inform them about the situation. There are fraud controlling departments in these three bureaus which will take immediate action. If you contact any one of the bureaus, two other bureaus will be alerted automatically. Ask them to set fraud alert to your credit report which prevents opening of any new line of credit under your name. Next contact the local police department and file a complaint. If he don't take these steps immediately he may have to pay the entire amount which you father has borrowed in his name.
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Where there's a will, there's a way !!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Sat Aug 02, 2008 7:45 am  
What a shame that a parent would do this to one of their kids! how old are the accounts?

What really stinks about this situation is the family turmoil it causes when you have to have him arrested to straighten it out. You will probably get the flack about
"how can you have your father arrested" yada, yada
but your boyfriend needs to respond on this by saying, "how could he do this to his own son?"

I hope that you all can make it through this with out a whole lot of heart ache, thats what happens when a realative pulls this, I mean we would not feel so bad if it was a stranger.

You will have to be patient with your boyfriend also, if he and his father are close or have a good relationship then this is not going to be easy for him to do. You will need to be supportive and realize, what if the tables were turned and it was your father. What ever his decision on how to handle this, weather he have his father pay the debt or he does go through with having him arrested and going that route, don't push, this is his credit. I know it affects what you two are planning together but ultimately this is between him and his father. Keep it in the back of your mind that how you handle this is how he will see your relationship for the future and how things will be handled then.

I wish you luck and would not trade places for you for nothing, hopefully your relationship will survive this test. Hang in there and be patient.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2861



2006 Magic Points
 
 Posted on Mon Aug 04, 2008 3:18 am  
My husband went through this a few years ago and first let me say I am sorry you have to deal with such an awkward and stressful situation. We decided that we had to look out for our own family and took alot of steps to clear hubbys credit up. His dad and him had the same name except for his middle name had an IE added to it. The bank itself help us by calling alot of the creditors from their office and letting us speak to them directly. This took a long time. What we had in our favor is my hubby would have been 12-14 years old at the time of the bills. The only one we had trouble with was the electric because he was 18 when they put his name to the bill cause they couldn't pay their bill and just changed names. In the end we gave them an ultimatium. Pay it or we are having it shut off.
We could not shut off a service account if money was owed so in the end we came up with the money the couldn't and shut it down. I wish ya luck and know this isn't an easy situation.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3138



5338 Magic Points
 
 Posted on Mon Aug 04, 2008 8:50 pm  
Still think it is a shame that they would let the parents open an account in a childs name, it is fraud.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
CMBV22

CMBV22

Joined: 08 May 2008
CMBV22's page
Posts: 378



4034 Magic Points
 
 Posted on Mon Aug 04, 2008 10:11 pm  
I have an article on my page about identity theft prevention and recovery. I hope it helps
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Pesonalized credit repair advice in the forum:

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goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3138



5338 Magic Points
 
 Posted on Mon Aug 04, 2008 10:18 pm  
I am sure it is awesome, you have a great page.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2861



2006 Magic Points
 
 Posted on Tue Aug 05, 2008 1:39 am  
I know but it sure happens alot. Nothing like ruining a childs life and credit before it begins. I think the parents just mislead these places since my hubby and his dads name were alomost the same. Still it was really aggraviting and there are times here and there we still do. Recently we moved and the electric cazrrier in the area was the one his parents owed money to when the bill was in just his dads name. They refused us service until we went in and straightened the whole thing aroung with his SS card.
 
Lorri



Joined: 15 Jul 2008
Lorri's page
Posts: 295



6 Magic Points
 
 Posted on Wed Aug 06, 2008 1:25 am  
You would think after hearing about all of junk that goes on in this world I wouldn't be surprised at a parent that pulls this on their kids. But, I am shocked that someone would do this----most likely these are the same type of people who cheated in school, cheat on their taxes, etc.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2861



2006 Magic Points
 
 Posted on Wed Aug 06, 2008 1:33 am  
I agree. I really also find it kind of sad. I mean our children are already going to have a rougher time them we did when they amke it out into this world on their own. Why would a parent want to hinder a child they should be helping?
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3138



5338 Magic Points
 
 Posted on Wed Aug 06, 2008 3:37 am  
That is what I mean, especially for us here, we should be passing on our lessons that we have learned the hard way to make it easier on them, I know that I am going to try and make these lessons sink in. I am doing things now to try and help my child have a better chance in life. Like starting her an account at my credit union where she will have life long membership, this place has awesome rates for home and auto and other loans. I can't use the benefits because my credit sucks, but I can have a savings there and set her up one too. I figure if she is a well established member and she keeps her ducks in a row that she will be rewarded later in life. This is a state workers credit union that you have to be a state worker to get into, so the benefits are pretty rewarding. I am hoping that she will prosper in life, I would not do anything to jeapordize her future, like opening credit cards or utilities in her name. that is just wrong.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Wed Aug 06, 2008 5:15 am  
You are taking all the right steps to ensure that your child is going to have the best start possible. I don't think that parents that use there child's social security number to obtain credit is the majority, we hear about it here because it is part of what we discuss, credit issues. I would hope this is not a common practice anyway. I think fireyone is right when she says that our children will have a tough enough time as it is without us putting up road blocks and barriers for them before they even reach the age where they can start establishing their own credit. Shame on those who do jeapordize their kids.
 
goodnatured



Joined: 03 Nov 2007
goodnatured's page
Posts: 3138



5338 Magic Points
 
 Posted on Wed Aug 06, 2008 11:08 am  
I hope so, life is rough enough with out putting discouraging barriers there for a kid, I hope to do what I can to help her be successful in life.
_________________
Goodnatured,

Trying to become and stay debt free, thank you for all your help and support!
 
erb1953



Joined: 31 Dec 2007
erb1953's page
Posts: 631



8 Magic Points
 
 Posted on Thu Aug 07, 2008 3:05 am  
you sound like a good parent goodnatured, hope your daughter realizes what you have done for her now later in life. I am sure that you will teach her well.
 
fireyone



Joined: 26 Feb 2008
fireyone's page
Posts: 2861



2006 Magic Points
 
 Posted on Thu Aug 07, 2008 12:57 pm  
When my mother-in-law did that to my husband there was no reasoning for it. His dad worked in the mines and she had a job. Her problem was she thought shopping was the first item that should be listed on the budget form. Whatever was left after a week end shopping spree is what got sent out on the bills. This made it even worse.
 
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