In the past, my parents have used my identity (name, SSN etc.) to take out loans and credit cards. I only found out when looking at my credit report recently. I want to strike these items from my credit history, but I don't want to press charges because they're still paying my college tuition. I'm furious at them, but I think they did not entirely understand the severity of their actions. Is there anything I can do to clear the entries on credit history without pressing charges? Should I wait until I'm no longer a dependent of them?
2007-01-26 07:34:52 · 6 answers · asked by semtex 1 in Business & Finance ➔ Credit
Are you certain it's not just showing up on your report because you have similar names? Are you a junior, for example?
My parents and brother all have the same first initial. For a long time, their accounts were showing up on each others reports. It took several disputes to clear it all up.
If they really did use your good name to get credit for themselves, the only thing you can do is get it paid off, or file fraud charges against your parents.
If you have a copy of your credit report, you should have the addresses for the 3 credit bureaus. You need to file a fraud alert with all 3. This will then show up on your credit report every time it is pulled, and is supposed to stop people from issuing credit unless you are in person, and have verified your identity with a driver's license or other government-issued photo id. It's not perfect, but it should block any future incidents from occurring.
2007-01-26 07:47:53 · answer #1 · answered by Anonymous · 0⤊ 0⤋
that's unclear what they signed is a legally binding contract. How previous were you once you signed it? in case you've been less than the age of 18, it isn't a legally binding contract. For the contract to be a valid contract both activities might want to ought to take advantage of the agreed words. Your mothers and fathers procuring 1/2 your classes does no longer be some thing they can take advantage of as well. also, in case you had a case, how do you should pay for court docket prices? Going to court docket isn't lower priced. the money you would possibly want to be spending might want to bypass in direction of your college classes, because in case you lose your case, you're out that money. seem at strategies to pay on your preparation your self, which includes economic help.
2016-12-03 02:15:40 · answer #2 · answered by marconi 4 · 0⤊ 0⤋
1. Depending on what state you reside in, there may be a statute of limitation, so you need to find that out.
2. You are in between a rock and a hard place, it has always been my understanding that in order to get fraudulent accounts removed you have to file a police report, and that's where #1 comes in.
So maybe you just go talk to them and act like you think a mistake was made, see what they say, and then make up your mind as to what to do.
Good luck to you.
2007-01-26 07:43:40 · answer #3 · answered by Gem 7 · 0⤊ 0⤋
This same thing has happened to me too. You will have to wait until all charges are paid and then you can sometimes convince the companies to remove the charges after they have all been paid. If you try and do this before they are paid then you would be filing for identity theft and your parents would be charged with identity theft.
2007-01-26 07:41:49 · answer #4 · answered by broadwaynights87 2 · 1⤊ 0⤋
Aside from contacting the credit agencies citing identity fraud, I'm not sure what you can do. I know you can dispute something on your credit report but it'll likely only lead to charges against them. What they did was wrong and very illegal.
2007-01-26 07:43:46 · answer #5 · answered by Trouble's Mama 5 · 0⤊ 0⤋
Have you talked to them about it?
Not knowing all of the details, family or not that sounds like identity theft and really the only way to clear your name would be to purse charges.
Hope it all works out.
2007-01-26 07:40:31 · answer #6 · answered by OC1999 7 · 0⤊ 0⤋