When i was about 13 or 14 my mother took out a credit card. For the joint user, she put MY information down. She later called and changed it to my fathers information (we have same first and last name) and now they filed for bankruptcy 7 years later and THAT credit card is on MY report. I was a minor, and didn't give consent!! What can I do???
2007-07-26 18:44:05 · 8 answers · asked by justflorin 1 in Business & Finance ➔ Credit
Contact a lawyer
What they did was credit fraud and illegal
2007-07-26 18:48:22 · answer #1 · answered by Mike Frisbee 6 · 1⤊ 1⤋
In your case this site can be very helpful RATESCOMPARE.INFO-
RE How do I get a credit card removed that was taken out on me when I was a minor?
When i was about 13 or 14 my mother took out a credit card. For the joint user, she put MY information down. She later called and changed it to my fathers information (we have same first and last name) and now they filed for bankruptcy 7 years later and THAT credit card is on MY report. I was a minor, and didn't give consent!! What can I do???
2014-10-14 11:58:07 · answer #2 · answered by Cherilyn 1 · 0⤊ 0⤋
The previous responders either didn't read your question carefully, or just don't know what they are talking about.
For starters, you were added to your mothers card. Nothing illegal about that. I recommend that kids do this very thing in order to help establish credit early on.
I'm also gonna bet she didn't "change" your for your father...but probably just added him to the card also. Again, nothing illegal there.
If the card were used after you turned 18, that will prevent you from claiming you were a minor. And do you really want to file fraud charges against your parents?
I don't think Mary's advice will get you very far. Remember that the credit card company just got screwed from the bankruptcy, and they are not going to be interested in talking to you...not to mention they can't legally discuss this with you anyway. By law they can't talk to anyone but the attorney about this account.
For now, dispute this with the credit bureau, and file a validation demand with the credit card company and see if you can sneek this by them.
2007-07-27 12:23:56 · answer #3 · answered by Anonymous · 0⤊ 0⤋
If your mother actually changed the information (it should have included his social security number) You can contact the credit card companies and ask them to verify it against your s.s. #. Unfortunately it's really tough when families share the same names (middle names don't always set it aside, especially if not used in taking out credit) Our family had the same problem between siblings. In the end the person who took out the credit card had to write to the creditor releasing the secondary person from the debt.
Hope it helps, it's the only way to try to do it without causing more trouble and expense for all involved - at least that I know of. Good luck
2007-07-27 01:58:12 · answer #4 · answered by Chele 5 · 0⤊ 0⤋
well the question is what is the balance and how does that credit card effect your credit score. You should obviously call the credit card company and close the account if it is still open. If it was a part of their bankruptcy, it shows on your report. You are however allowed to make comments on your credit report about items. Call the 3 major credit reporting agencies or go online and get the form to do so.
2007-07-27 01:53:31 · answer #5 · answered by Anonymous · 0⤊ 1⤋
To start with, you go to www.freecreditreports.com and get your annual free reports from each of the three companies, then you write each one and ask that the card be removed because it is actually your father's debt. You also say that if this will not be done, you want a statement enclosed in your record (that will go to all those getting a credit report) stating what you have in your question.
You might try contacting the credit card company to kill the card and you might start modifying your name - add or change a middle initial, use a nickname, etc., to differentiate yourself.
2007-07-27 01:53:25 · answer #6 · answered by Mike1942f 7 · 0⤊ 3⤋
All you have to do is call the creditor and explain to them what happened.
What your mother did was illegal, and the information, by law, has to be removed from the report.
Do that first...I am confident that will be quicker than disputing it, which can take much longer. They may ask for a copy of your driver's license to be faxed or mailed to them to prove your age.
2007-07-27 02:26:45 · answer #7 · answered by Expert8675309 7 · 0⤊ 0⤋
Call them and tell them you no longer want the card.
2007-07-27 01:47:59 · answer #8 · answered by Gengis 6 · 0⤊ 0⤋