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My fiance's mother got credit cards in his name that he was unaware of. He lived in Texas with his mother, but moved to Kentucky in 2003. When he viewed his credit report, there were new accounts in Texas in 2004, '05, and '06. There was over $17,000 in debt in his name, that he did not do. His mother admitted to some of them, but wouldn't admit to all of them. He's pretty sure that she did all of it, as she has been recently arrested for shop lifting. Anyhow, his credit score is 500, thanks to his mother. He really wants to fix this without getting his mother into a heap of trouble. How can he go about reporting identity theft, without his mother getting into a whole lot of trouble? Any advice would be appreciated.

2007-06-11 06:14:53 · 9 answers · asked by WTF 4 in Business & Finance Credit

9 answers

I'm not sure, but it's probably different if it was your mother that stole your identity (as opposed to anyone else). I think on all the paperwork you submit, you should put "MSMI" after your signature so the clerical people will know. They can route your papers to the department that specializes in mother-stolen identities.

2007-06-11 06:20:40 · answer #1 · answered by Anonymous · 0 0

Unfortunately, if he reports identity theft, it will probably be investigated and discovered that it was his mother. In many cases of identity theft it turns out to be a family member or close friend or relative. If he does report ID theft, there is a good chance that his mother will get into a heap of trouble. the credit card company's will most likely want to go after whoever defrauded them. If he does not, then his credit is going to suffer for years to come and, he is going to be subject to poor financing terms for years. and some of the companies that have are owed money can and probably will come after him wanting payment. Bankruptcy may be an option and your fiance can consult a BK attorney and see what he/she says. I would tell the BK attorney the truth about the situation and see what he/she thinks. Best of luck in this unfortunate situation. Below are 2 links on ID theft. I am not sure if it will help at all but you may be able to follow some of the links up top to find more information on ID theft..

2007-06-11 06:27:24 · answer #2 · answered by dzwreck 4 · 1 0

Well... although I'm sure he loves his mother she should be punished for what she did. She just jeopardized his credit rating horribly, which in turn means he could be turned down for everything because of this. I think she should take responsibility for what she did.

I know that through the credit agency there is a place where you can dispute charges, they might be able to help you with a place where you can call for that. If you go to the police and report identiy theft they can help...

Good luck!

2007-06-11 06:46:08 · answer #3 · answered by NCIS ♥ Addict 6 · 0 0

This recently happened to me. My now ex stepfather stole mine and my brothers info and did the same to us. we had to file a report with the police (for identity theft) and then disput anything that was fraudulent with the credit reporting agencies. Sometimes you have to disput several times before it will come off. There may be other "easier' ways of doing it. But I haven't found any yet.

2007-06-11 09:27:31 · answer #4 · answered by lv82 3 · 0 0

first and for most he needs to report this to the Credit agency all three. He can but a freeze on his credit report so if anyone tries to use it again he will be notify, when he report the errors and he must am sorry to say this but their will look into it, this is very serious and the proof for him is that he move from Texas to Kentucky in 2003. and you can also let him look into Suze Orman.com

2007-06-11 06:32:14 · answer #5 · answered by umilta a 2 · 0 0

This same thing happened to my Wife a few years ago. She notified the credit card company and they told her there was nothing they could do unless she filed charges on her Son.

She did and mailed copies to the credit card company and to the credit bureaus. The card company cleared her credit the next month and the police did nothing because as they put it "It's a family thing and we don't want to get involved".

2007-06-11 06:59:57 · answer #6 · answered by ? 7 · 0 0

How old is he?

This sounds horrible. He has the option to file bankrupcy. That brings your credit to "0" and you are on a really tight leash for the next seven years.

In the meantime, I would take out the mom. She didn't have regard for him when she destroyed his credit. He should report this.

2007-06-11 06:28:10 · answer #7 · answered by poweranni 7 · 0 0

well i would say just .. report identity theft.. and say he dont know who did it ..
and you will have to prove he didnt do this all by him self..
meaning you will need ALOT of paper work proving he was where you say he was for thoose years...
good luck...

p.s... how do you check your credit score?..
lol im 19 never had a credit card and im just nervous that maybe someone stole my identity...
where can you check this for free?.... or do you need a credit card to look at this?...

i recently tried applying for a bank credit card and was denied when i called in the lady said it was because i had no credit....
does that meen im safe?...

2007-06-11 06:21:16 · answer #8 · answered by lilmommy 3 · 0 0

Well, I am in id theft expert and I can tell you it will cost your fiance about 1600-2000 plus 600 hours to restore it. i can offer you some assistance though, if you want help. i represent a company that can help!

2007-06-12 16:56:38 · answer #9 · answered by gatorgirl 5 · 0 0

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