Posts Tagged ‘Dad’

What would you do If your dad used your name to get a credit card and didn’t tell you?

Posted in Family on 02/08/2010 11:52 am by admin
Maggie P asked:


My father took out a credit card in my name with an $800 credit limit. It is maxed out and over about 160dollars! I found out about it tonight only after having investigated my credit report online. He didnt’ tell me at all about the credit card. I live with him and my mother. They put a roof over my head and food on the table so I dont want to get him in trouble with the law but It makes me so angry he did this. He’s having a few debt problems himself and that’s why I am afraid he’s going to skip out on making payments and It will ruin my credit history. I dont even have a job to pay for this myself that just makes me even more worried !
I dont want my credit ruined before I even get started for the future.
What can I do about this situation?

BEAU
 

Can we sue the credit bureau?

Posted in Credit on 01/09/2010 06:19 pm by admin
Mercedes asked:


My husband requested his annual credit report from all three bureaus. We noticed something was wrong when two of the credit bureaus (Equifax and Transunion) refused to show his report online stating that further verification was needed, or we had the option to request the report through the mail. Experian showed us a report but it was not my husband’s. They had mixed my husband and his Dad’s credit histories. My husband is 22 and the report stated he was born in 1955. It has over 15 years of accounts mostly very high balance delinquency accounts (over 40 accounts). None of which were opened by my husband. I requested reports from the other two agencies by mail and transunion sent me a correct report, but Equifax said that either I had not submitted enough identification or my husband had no history on file (which he shouldn’t because he as never applied for credit himself). The action I have taken so far is to mail Experian a dispute letter in which I identified every account individually and told them it was not his debt and that it was the debt of his dad which has a very similar name. As documents I sent a copy of the Transunion report, which is correct, an enlarged copy of his license, a W-2 form, and a pay stub. Of course I wrote the letter as my husband. I sent it three weeks ago and have had no response. What should I do at this point. This “mistake” has caused us to be denied for apartments, cell phones, and for home loans. We are stuck if this isn’t corrected

ANGEL