I just got a letter today for my 2 year old daughter saying a visa account at Cabela's was turned down due to lack of credit history. I know it was my ex because he loves Cabela's. I also know he would ruin her credit because he hardly makes enough to support himself. What can I do to keep him from using her SSN to obtain credit?
2006-07-31 08:00:48 · 20 answers · asked by belle 2 in Business & Finance ➔ Credit
it wont happen with her age..they do check that out..however..you can go online and look up fraud protection as far as the three major credit reportin agencies...contact one of them, you may be able to have her credit frozen. I doubt very much that he will ever be able to get credit in her name...but just to be on the safe side, do check it out. I would also warn him of the letter you got and tell him, one more of those comes, and you will contact the police and report him for fraud. Now I know it is still many years away...but pay a watchful eye to her credit once she reaches age 18...if he is doing this now...nothing will stop him later....sorry to say, but what a low down loser he is!
2006-07-31 08:05:29 · answer #1 · answered by smanning5568 2 · 1⤊ 1⤋
While calling the police may sound like just the right move, remember he is still this child's father.
First off, call the credit card company and explain that the card needs to be closed immediately. While I don't recommend you "share" with them why, it may be necessary if you are not authorized to make adjustments to the account.
Your next call should be to your lawyer. He needs to be brought into the loop, in case your ex-husband doesn't get the message clearly. I would ask your lawyer to arrange a credit fraud alert be placed on both your own social security number and those of your children. Let your lawyer handle this, if he feels it warrants calling the police, let him. It may cost you money to pay the lawyer. If it becomes excessive, have the lawyer bill your husband since he is the one at fault.
Nothing like an ace up your sleeve - if the ex doesn't see your point in this, the cops will.
Keep things nice and calm., and keep paperwork on everything.
2006-07-31 15:09:40 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Report him to the police. Keep the letters. Frequently check your daughter's credit profile. If he starts using the SS#, it will show up. Then, you have him. It lists what souces the credit reporting comes from, and you can trace it back to his address.
2006-07-31 15:03:45 · answer #3 · answered by Quietman40 5 · 0⤊ 0⤋
Report it to the 3 credit reporting company's, also call the place and let them know that its a 2year old they turned down.
2006-07-31 15:05:28 · answer #4 · answered by Granny 1 7 · 0⤊ 0⤋
alert the social security office because by him even applying shows on her credit (even if he was denied) and if he did more then it will reflect on her when she is of age. Experian, Equifax, and TransUnion are the 3 reporting credit beureas to check with, also have them put an alert on her name and social. Its free to you but if he tries to do something they will consult you first before running her credit.
2006-07-31 15:07:21 · answer #5 · answered by Laprincessa1182 2 · 0⤊ 0⤋
Get a lawyer to write a cease and desist or take him to court for custody and show that as proof. If he has no custody he doesnt need access to her info.
Call the SSA and report it as fraud
Dont call your local cops, they wont do anything
2006-07-31 15:04:13 · answer #6 · answered by kellylovesduke 2 · 0⤊ 0⤋
Dear Belle,
Follow the directions of the page I've placed below. Do not wait...do not consider his feelings or your feelings. This is a time for instant action to save your daughter's future.
-j.
2006-07-31 15:03:31 · answer #7 · answered by classical123 4 · 0⤊ 0⤋
I would tell him to stop immediately and to turn over all items he has pertaining to your daughter or you will report him to the authorities and press charges.
This is a crime and nothing to play around with.
2006-07-31 15:03:54 · answer #8 · answered by The Grand Inquisitor 5 · 0⤊ 0⤋
You need to report him immediately to the FBI. This type of fraud is a federal offense.
2006-07-31 15:04:28 · answer #9 · answered by Anonymous · 0⤊ 0⤋
You will need to put a fraud alert on her credit report.
2006-07-31 15:06:22 · answer #10 · answered by BoomChikkaBoom 6 · 0⤊ 0⤋