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Kurt213
Joined: 03 Aug 2009
Kurt213's page
Posts: 3
114 Magic Points
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Subject: I need advice
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Mon Aug 03, 2009 5:57 pm
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I am 23 years old, and I live in San Antonio Texas.
My situation is I do have alot of credit card debt that stems back from when I was 16 or 17. My mom opened a credit card in my name and she actually ran up 10-20k debt in my name.
I regret not taking care of it back then, and now I'm not sure where to begin in trying to get it repaired.
What would you guys recommend? |
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Sven
Joined: 22 Jun 2009
Sven's page
Posts: 63
1596 Magic Points
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Mon Aug 03, 2009 6:26 pm
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| Is it paid off, or is it still open? |
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Kurt213
Joined: 03 Aug 2009
Kurt213's page
Posts: 3
114 Magic Points
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Mon Aug 03, 2009 6:44 pm
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| Still open... I haven't paid on it at all. |
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Wed Aug 05, 2009 3:17 am
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| Anybody got advice? I never signed for the cards or anything. Is it too late to dispute all the charges? |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Wed Aug 05, 2009 10:40 am
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| Quote: |
| My mom opened a credit card in my name and she actually ran up 10-20k debt in my name. |
So did your mom volunteer to pay any of it? Did you ask for debt validation? If you cannot afford to pay the amount you could try and negotiate a payment option with your creditors for an amount you can afford. In short seek for loan modification and see if your creditors will co operate. Pay off the debt in a manner you can afford. Talk to your creditor first and be honest with them. They would rather get a payment than not get anything at all.
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Keep in touch
Carol |
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tscorpio9
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Subject: Same thing happen to me
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Fri Aug 07, 2009 3:39 am
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My mom got a credit card in my name when I was 17 or 18 & I just left my hometown & moved to Cali. (I later found out that, had all the bills sent to her work mailing address and actually told she was my mom when they called. She made a couple payments on a (orginally) 1200.00 debt and then quit paying. I had NO idea. By the time a CA based collections office contact me, the debit had changed hands 5 times & 3 years had passed. I wonder why I could not get approved for a credit card (this is why I now check my credit report often), I assumed it was b/c I had no credit. One of my employers provided a "pre-paid legal plan" to employees. After an unsucessfull 2 year attempt to obtain info on the acct. & getting NO-where w/the orginal creditor & collections companies, I contacted the pre-paid legal company. They sent a letter in my behalf to the creditor & agencies. The creditor sent me a form for notorized signatures. I returned it & 6-8 months later the debit was cleared of my report. My mother stole my idnty & I could (and probably should have) pressed charges. when i asked her about it she denied it but the creditor told me everything I need to know.....Christmas gifts for us were put on the card.
Let me know if i can help. |
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carol
Joined: 27 Jun 2006
carol's page
Posts: 1362
Location: Los Angeles, California
29592 Magic Points
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Fri Aug 07, 2009 12:24 pm
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Well it is nice to know that you were able to get out of this situation finally. Maybe your mom did this in good faith but it backfired on you. I ask everybody to keep checking their credit report regularly to avoid hassles like this.
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Carol |
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Kurt213
Joined: 03 Aug 2009
Kurt213's page
Posts: 3
114 Magic Points
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Sun Aug 09, 2009 2:03 am
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| Thanks for the info Tscorpio, I ordered all my credit reports to be mailed to me, and then I am going to take them and file a police report. Now I also want to get a credit card under my name and pay it off every month, to start building positive credit, anyone have any recommendations on where I could possibly get approved, even if its for $50 or $100? |
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