When I had just turned 18 some credit card companies sent cards to my house. I asked my mom to cancel them because I didn't know how. She used them and forced me to sign them. I ended up signing for stuff I didn't use and my own birthday presents. I am currently disputing some fraud on my report but I think it was her using another card. It's close to $2000 and I didn't have a card that came close to that. If the information comes back that it was her using my name should I report her and have her arrested?
2006-08-03 07:12:08 · 25 answers · asked by Cory G 1 in Family & Relationships ➔ Other - Family & Relationships
Sad as it is, you may have to. I know someone that this happened to, and this can ruin your credit for years, and, in some cases, the only way to make it go away is to report her. If you write lots and lots of letters to your creditors explaining the situation and begging them to take it off your record, and if your mother also talks to them and tries to pay them back, they might let you off.
If your mother isn't cooperating, however, you will probably have to report her to protect your credit.
Sorry, man, it's a crappy situation you're in.
2006-08-03 07:17:30 · answer #1 · answered by Dan C 3 · 0⤊ 0⤋
Ohhh honey! Most definitly!!!! I know that she is your mother and that has to be the hardest thing weighing on your conscience and your heart right now. But girl, it seems to me that she could give two @#$* 's about what your financial future holds for you, and that is soooooo wrong. As parents we are supposed to teach and prepare our children for the future. Not set them up for financial disaster when they turn 18 years of age. What she has done could affect you for the next 10 - 20 years. It could and probrably will determine the outcome of wanting to rent a place to live, what you will drive (if anyone trusts your credit enough to give you a car), if you will have a checking account, credit cards in your name, store credit cards, ect.. The list is sooooo horribly long. Its sad, but your credit might as well be part of your name and birth certificate. For God sakes, you cant even get a home telephone or electric in your name if your credit is too bad off. So see, even though it is your mother, you have to do what you have to do to straighten this mess up if you want the things in life that you so deserve. These credit companys must know what has happened, and yes your mother will probrably have to pay this back and be put on probation. But when its all said and done(which will take a little while), you'll be able to sit back and say, "I work so hard, but these things are in MY name and they are mine." If you dont take care of this problem, you will most likely have to always rely on someone elses signature and then there is always the possibility that you will never truly own a single thing that actually has value!!! Please heed my words. I know what youre going through and it is one of the hardest things to go deal with. I hope that all works out for you! And believe me, your mom will forgive, and if not OH WELL!!! You need to look out for your future and for the future of the children you will most likely have.
Take care! ~jennjenn~ meluvjwh1998@yahoo.com
2006-08-03 07:38:28 · answer #2 · answered by Jessiejenns 2 · 0⤊ 0⤋
That depends on your relationship with her. I've heard of this happening before and the woman has spent years to get her credit straight in order to protect her Mom. If your mother treats you badly on a chronic basis, then yes you should. Your credit affects you for the next seven years. You can cancel cards by calling the number on the back and saying that you never ordered them. I don't know. This is a hard one, especially since you live together. Maybe you can call one of those NON-PROFIT debt counseling agencies (make sure they are non-profit) and or speak to a lawyer. You may need to move out or get counseling for your relationship. She miight have an addiction. Good Luck with this.
2006-08-03 07:19:41 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Heck yeah! Identity Theft is a HUGE problem today, and 50% of it is committed by a family memeber. The only way we can get these people to stop doing it is to send a message by reporting them EVERY time it happens. Your mother has ruined your credit so there is nothing wrong with ruining her day by turning her over to the cops!
2006-08-03 07:16:45 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Yes
2006-08-03 07:16:02 · answer #5 · answered by AndyH 2 · 0⤊ 0⤋
How did she force you to sign them? If it is in your name, and you didn'y report it earlier, then you are responsible. Next time, just tear up the credit card offers and throw them in the trash.
2006-08-03 07:17:00 · answer #6 · answered by Mr. Hendricks 4 · 0⤊ 0⤋
I know she's your mother, but, what she did was plain wrong! Talk to her first and tell her that you expect her to pay for her stuff that she charged up or you'll have to report her. That's just not fair to you! If she's any kind of a mother, she'll own up to her own bills!
2006-08-03 07:16:35 · answer #7 · answered by Xena 3 · 0⤊ 0⤋
That is a decision that only u r going to have to live with. If u r willing to live with ur mother being in jail yes then. If you cant then i hope u decide no for ur sake. So u need to decide this.
2006-08-03 07:17:47 · answer #8 · answered by Anonymous · 0⤊ 0⤋
you should talk to her first and give her a chance to come clean and pay the debt off. Tell her if she doesn't get this taken care of you will have no choice but to report her.
2006-08-03 07:17:13 · answer #9 · answered by Sara 4 · 0⤊ 0⤋
Absolutely, even if she is your mom. She had no right to ruin your credit or force you to sign for things that you didn't authorize. She should be ashamed of herself.
2006-08-03 07:16:58 · answer #10 · answered by Anonymous · 0⤊ 0⤋