I was born into the wrong family. I am the only person who is financialy mature and responsible. I am 21, have financed my own $22,000 car, have my own place and a nice job. My mom is very unstable. ( I dont know my dad.) When I was about 15, she needed to get a house, but her credit is so0o0o0o horrible that she put the phone and electric in my name b/c she had outstanding bills in her name. Like usual, she left that house without paying anything off, and there is a $200 phone bill and a $500 electric bill unpaid after 6 years. These things are on my credit report reflecting negatively and it's hurting me b/c i am looking to move and put these things in my own name. Is there anything i can do?
2006-09-22 10:28:18 · 11 answers · asked by sx_rx_rocknroll 3 in Business & Finance ➔ Credit
Dispute it with the credit bureau and the collection agencies (if they are handling the unpaid bills) by providing a birth certificate showing you were the age of MINORITY when these accounts were opened. That is, you were under 18 years old.
According to businss law, a minor can NOT enter into a legally binding contract and as such, these amounts should be removed unless the utilities can prove that you were in fact, over 18 years old at the time these debts were incurred.
Good luck.
2006-09-22 10:55:39 · answer #1 · answered by DaMan 5 · 1⤊ 0⤋
If you think your family will CONTINUE to use your name and SSN, and since you can prove that they've done it when you were a minor, you should apply for a new SSN - and of course never let anyone know that you have a new SSN.
It is rare and may take awhile, but if your family continues to use your info - - it'll be a lifetime of financial hell for you.
Also, after six years of NO activity you don't owe the bad debt anyway......but I wouldn't ask to have it removed - I'd leave it to support your request for a new SSN.
If you don't do something - at the very least - a fraud alert - years after you've purchased a home, you could find a lien filed against it because of something new your mother has done in your name. Don't let that happen.
Families are the WORST offenders of identity theft.
2006-09-23 02:58:31 · answer #2 · answered by Paula M 5 · 0⤊ 0⤋
Fight it thru the credit reporting agencies they can not leave it on there if you were 15. You may just want to say the bills are not yours and not mention that your mother did this She may get into lots of trouble for using your ss#. takes about 30 days but you can get them removed from your credit. If that does not work just wait a year. Negative credit only stays on your credit report for 7 years
2006-09-22 10:39:56 · answer #3 · answered by Brandy D 1 · 1⤊ 0⤋
First of all putting utilities in your name at 15 is illegal. You need to contact Equifax, Transunion and Experian. They are the 3 credit bureaus they all have a process to resolve these issues. Just let them know what happened. Also for 30.00$ you can go to TrueCredit.com and obtain a copy of all 3 of these reports with information on how to contact them. Good luck!
2006-09-22 11:40:11 · answer #4 · answered by stuo78 1 · 1⤊ 0⤋
The 3 major credit companies give you some space for rebuttal, explanation, etc. on your credit report. But they will not like what they see. You keep doing it over and over again for your MOM, she is the problem. You cannot transfer the bills if you signed,
you owe! Don't do it again !
2006-09-22 11:32:27 · answer #5 · answered by The Advocate 4 · 1⤊ 0⤋
After you explain things to the phone company and the electric company, face the fact that you'll probably have to pay something to them.... it's not really enough money to go to court over if you have to pay a lawyer.
Then.... DO NOT EVER, EVER, EVER let anyone use your name and SS# for anything EVER. If you learn that someone has used your name to apply for credit, go immediately to the creditor and get it cleared up.
2006-09-22 11:26:25 · answer #6 · answered by paleblueshoe 4 · 1⤊ 0⤋
I think the utility companies should have to prove to you that those are your bills. In fact, what I would do is make an appointment to go talk to them. Take your birth certificate. Ask them how the bills could be yours when you were only 15. I would think they would have to take it out of your name.
2006-09-22 10:34:44 · answer #7 · answered by jboatright57 5 · 1⤊ 0⤋
I believe Q. take a seat her down and actual teach her the wear that its doing, teach her how lots of a rigidity its putting on you and your loved ones. i be attentive to myself that I racked up a extensive credit card invoice and it took me a protracted time to pay all of it back, yet I did and it replaced right into a extensive load off my shoulders. Now i'm saving my butt off and its quite pleasurable to work out the money build up interior the fee decrease value rates money owed. I went by a factor the place I purely did no longer care and all i wanted to do replaced into spend spend spend. Spending funds made me sense extra constructive. yet now i'm in a satisfied dating and all and sundry of those cloth possessions do no longer recommend something whilst in comparison with the affection and help of my kinfolk. i'm no longer saying which you and you spouse are having marital matters, yet there could desire to be some kind of underlying difficulty there that she desires help with ie low self-well worth, low self esteem and so on. yet take a seat her down and teach her the wear first, it may desire to be what she desires snap her out of it. If that would not artwork, perhaps see the two a finanical planner (they may be waiting to steer your spouse in some way) and final hotel look for counselling. sturdy success!!!
2016-10-17 11:28:11 · answer #8 · answered by wach 4 · 0⤊ 0⤋
Just pay those bills off, and don't let your family get in on your credit anymore.
2006-09-22 10:36:01 · answer #9 · answered by Manny 6 · 1⤊ 0⤋
My first thought is to let this ride for another year, then these reports will drop off your report automatically.
If you report this, they could prosecute your mom for using your name illegally to obtain utilities.
2006-09-22 12:20:40 · answer #10 · answered by Anonymous · 0⤊ 0⤋