I advise all these adults to immediately contact each credit bureau: Trans Union, Equifax and Experian - contact them in three ways: send a certified letter; do online complaint & print copies; & contact them by telephone. Detail & date each contact, keep copies of all correspondence.
In those letters, online & telephone complaints...state past history is due to identity theft & you want a copy of your file including sources of credit with addresses & telephone numbers.
Contact each vendor by telephone, by certified letter stating you want a complete copy of their documentation for fraud investigation. Get original signatures, ask for copies of the original credit report - should have shown date of issue on the social security number and a DOB on it...
If you can't afford an attorney contact Legal Aid in your area - they can help you.
Contact the Social Security Administration for a hearing show your documentation, request a new ss# & clean history.
Equifax: Ph: 1-800-685-1111 address: P O Box 740241, Atlanta, GA 30374 online: equifax.com
Trans Union: PH: 1-800916-8800 address: P O Box 2000, Chester, PA 19022 online: transunion.com
Experian: PH: 1-888-397-3742 address: P O Box 9556, Allen, TX 75013 online: experian.com
Really good info. Just a shame my US credit was ruined by my mother by the time I was 18.
Quote from: Kreuzfidel on December 27, 2011, 11:20:45 PM
Really good info. Just a shame my US credit was ruined by my mother by the time I was 18.
Was she prosecuted?
No - she did it to both my sister and I. Neither of us could bring ourselves to press charges. She never would own up to it. I assumed she had gotten an account with the Fingerhut mail order catalogue company - she bought around $2000 worth of stuff. She hid the bills and I didn't realise it had been my name and social security number she had used until the creditors started hounding me.