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When I was 15 my mother put my name in addition to her own on a best buy credit card without me knowing. The reason I know now is because my credit report said there was deliquent activity and late payments over 180 days. I am trying to get a credit card and I keep getting denied. I tried to get a loan for school (6700) because my mom is a d*uche and is saying she shouldn't have to give me a dime because she worked for "where she is". But yet I was declined for the loan because of the best buy thing which was not even ME! I was underage! So i don't know how she got away with this. She also put our house phone bill (verizon) under MY name... I dont know what to do:( I feel helpless. I need to clear my name and credit but I don't know how. Do I involve a lawyer? Help me :(
Misery loves company....My parents did the same thing to me. I had an electric bill in my name as a minor. It seems that your mom used your SS# when you were a minor which would not make you liable. Unfortunately for me my parents got "me" a Circut City card back in 1994. They said that I could buy a stereo. I chose a $400 Aiwa 3 disc bookshelf stereo (it kills me that these things are <$100 now) my parents chose Direct TV (when it frirst came out-and was $800 for the package) they said to send them the bill and would pay the difference. I got a call as my account was going to go into default. I had to get an american general loan to pay it off ASAP. Well that was ages ago and your credit can be repaired. I am not in the process of buying a house so as the deliquency ages your credit score improves. DO NOT listen to your mom. Good god my mom also never had a college education. Do yourslef a favor and rid yourslef of the nonesence your mom will put in your head. The only way you will rise above her is to GET AN EDUCATION. But that will come. Like I said my parents raided my account for cash all the time I lived there. I would consult an attorney it is free just for a consultation. See what he says. You have to be 18 to have credit. But you have to be prepared for the consequences. Your mom can and probably will be prosecuted for fraud. My parents did time (in jail) for writing bad checks on a closed account. But you need to listen to me, what your mom did to you WAS WRONG. Anything short of her trying to make it right is not acceptable. I fixed my credit on my own, but only because I had support. If there is nothing you can really do then just go to community college at first. Pay your way slowly and apply for pell grants and any other grants (like board of governors grant) and scholarships. Community collge is CHEAP and the classes are easier and transferrable to universities. But to completely protect yourself you need to do this. GO TO THE SOCIAL SECURITY OFFICE AND CHANGE YOUR SOCIAL SECURITY NUMBER. It will only take an hour or so depeding on where you live. And hide this in a place that your mom will never find, even if you have to open a safe deposit box hse can neer know this number because once you move out and get away from her YOU CAN NEVER BE SAFE FROM HER FROM RUINING YOUR CREDIT for the rest of your life if she knows your SS#. I am sorry hon. But there you are not alone with parents that put themselves first. You need to protect yourself. I would start with best buy. Call the 1800 number and tell your situation and work your way to the appropriate person to give you the answers you need. If you were underage you WILL NOT BE LIABLE. You will just need to show proof. They may be able to steer you in the right direction. It may take some time but you WILL get past this. I would also consult an attorney, one that offers free consultations. I would also changhe yoru social security number so she cannot open anything in your name again. Yeah after my mom died I was in charge of going through all of her things...I found a photo Michigan of her with MY social security number and my birth date and her birth year....WTF!!! REALLY???!!! It is possbile to get through it, I now have an advanced graduate degree and I make over 74K a year after just 1 year in my field. i did it ALL WITHOUT a DIME from my parents (Oh yeah my grandmother wishes were to will half of her estate to me. My parents brought her out here, sold her house and spent all of the money..and then she was pissed when she discovered her account was empty and moved back and died within months.THAT was SUPPOSED to be MY college education money. I now have 84k worth on student loans. But you know what, it doesnt matter because now I am able to buy a nice house on MY credit. And I have a nice future set up for myself on my own. Do yourself a favor and take my recommendations. Good luck and I wish you well.
For Finance and credit solutions I always recommend this site where you can find all the solutions. :My mother ruined my credit! Help!? When I was 15 my mother put my name in addition to her own on a best buy credit card without me knowing. The reason I know now is because my credit report said there was deliquent activity and late payments over 180 days. I am trying to get a credit card and I keep getting denied. I tried to get a loan for school (6700) because my mom is a d*uche and is saying she shouldn't have to give me a dime because she worked for "where she is". But yet I was declined for the loan because of the best buy thing which was not even ME! I was underage! So i don't know how she got away with this. She also put our house phone bill (verizon) under MY name... I dont know what to do:( I feel helpless. I need to clear my name and credit but I don't know how. Do I involve a lawyer? Help me :( Follow 3 answers
You'll have to file police reports. Steps to take for Michigan theft: a good article about relatives who steal your identity: While the poster below has some good advise, they are completely wrong about changing your social security #. You cannot do this. You can put a freeze on your credit report though.
I know of a reliable loan company that can give you loan. firstname.lastname@example.org This is no joke. They are perfect and they are legit
Yes go to a lawyer. you will be surprised t know people put their pets name on credit cards.good luck
Yeah I would be makeing some phone calls....