I just looked at my credit report and score and I have an $1,100 balance from an American Express card. I just found out that my mother put the card in my name two years ago when I was 17 and ran up the bill. Is there any way I can get this taken off my credit report without any legal action or anything happening to my mother?
Trying To Improve MY Credit
- Thread starter AbsoluteProblem
- Start date
http://www.creditboards.com/forums/
Read everything...and then read again! This website features the step-by-step process on understanding and cleaning your credit report.
It seems like a pretty low balance, you ought to try an contact AE and work out a "pay for deletion" ... basically you pay the balance and they delete the negative remarks off your credit report. Search "pay for deletion" on the link I posted above.
Read everything...and then read again! This website features the step-by-step process on understanding and cleaning your credit report.
It seems like a pretty low balance, you ought to try an contact AE and work out a "pay for deletion" ... basically you pay the balance and they delete the negative remarks off your credit report. Search "pay for deletion" on the link I posted above.
AbsoluteProblem said:
to be honest, your choices are:
start making payments on it
do nothing, & the card gets charged off, screwing up your credit more & they might seek a judgement against you which makes it even worse
claim fraud because at 17 youre still a minor but then the cops get involved
i'd say start paying on it. i hope mom dukes at least bought you some kicks or something
I'm going to try and pay it, but the $5.25/hr I make from work study will be barely make a dent in it.
Has the account been closed? If it hasn't get the card from your mom and start making payments on it, don't close the account.
If it's already been closed and has gone to collections just call the collection agency and see what they can do for you. Normally they will offer you a "buy out" which is normally less than the balance.
As far as getting that shit off your credit, check out the creditboards link that was posted above.
If it's already been closed and has gone to collections just call the collection agency and see what they can do for you. Normally they will offer you a "buy out" which is normally less than the balance.
As far as getting that shit off your credit, check out the creditboards link that was posted above.
acm21
Banned
My bad this response is so long but this story hit me in the gut when I read it.
It's crazy that family members will do that but like they reported it's usually someone close to you b/c they have access to your personal info. My brother used my personal info when I was in college. I didn't find out until I called my credit card company to check on something. When I called they told me my account was closed and this was the only card I had at the time. I asked them why and they told me that I have two other credit cards in my name that are past due. The guy wouldn't tell me whose name where on the other cards so I had to tell him all my brothers’ names until he said that's the one. I was shocked b/c my brother that did it kept in touch about three to four times a week while I was at school he even sent me money. I guess he figured I owed him, lol!
To make matters worse is that I told him not to do this before it happened. Me and my friends planned a trip to Florida and we were to young to rent a car and he volunteered to do it but he wanted me to get a card in my name. I told him no but I also told him not to get one in my name b/c he's sneaky.
And the story goes from bad to worse b/c I had to file a police report where it happened so I had to go back home. The cop told me that if they see him that would have to arrest him. He was just bluffing but I didn't know that. They didn't arrest him. I had to call each credit card company and they gave me hell. They hung up on me and they were yelling at me to pay the bill. Eventually I got the security dept and they told me I had to sign an affidavit stating I didn't open or authorize no one to. I had to fax them my ID and stuff. And then they had to investigate and it took about a year and a half to get it resolved.
And to throw salt on the wound when I talked to my moms while it was still going on she told me that I got a credit card in the mail one time but my brother grabbed it before she could look at it. Since he stayed with her she didn't pay it any attention b/c I first and middle are very similar and like some siblings our SSN are only two digits different. If my moms wouldn’t have opened the mail he tried to get a third card in my name. I forgave him but we don't really talk anymore like we used to. He got away with it for so long b/c he was using his girlfriend address. He went as far as to use my uncle’s telephone number and collections used to call him everyday.
It's crazy that family members will do that but like they reported it's usually someone close to you b/c they have access to your personal info. My brother used my personal info when I was in college. I didn't find out until I called my credit card company to check on something. When I called they told me my account was closed and this was the only card I had at the time. I asked them why and they told me that I have two other credit cards in my name that are past due. The guy wouldn't tell me whose name where on the other cards so I had to tell him all my brothers’ names until he said that's the one. I was shocked b/c my brother that did it kept in touch about three to four times a week while I was at school he even sent me money. I guess he figured I owed him, lol!
To make matters worse is that I told him not to do this before it happened. Me and my friends planned a trip to Florida and we were to young to rent a car and he volunteered to do it but he wanted me to get a card in my name. I told him no but I also told him not to get one in my name b/c he's sneaky.
And the story goes from bad to worse b/c I had to file a police report where it happened so I had to go back home. The cop told me that if they see him that would have to arrest him. He was just bluffing but I didn't know that. They didn't arrest him. I had to call each credit card company and they gave me hell. They hung up on me and they were yelling at me to pay the bill. Eventually I got the security dept and they told me I had to sign an affidavit stating I didn't open or authorize no one to. I had to fax them my ID and stuff. And then they had to investigate and it took about a year and a half to get it resolved.
And to throw salt on the wound when I talked to my moms while it was still going on she told me that I got a credit card in the mail one time but my brother grabbed it before she could look at it. Since he stayed with her she didn't pay it any attention b/c I first and middle are very similar and like some siblings our SSN are only two digits different. If my moms wouldn’t have opened the mail he tried to get a third card in my name. I forgave him but we don't really talk anymore like we used to. He got away with it for so long b/c he was using his girlfriend address. He went as far as to use my uncle’s telephone number and collections used to call him everyday.
Why don't you try the sticky thread at the top of the business board.
Why would anyones mom wanna start their kid off in the same track their in? makes no sense. 
If the account was opened when you were 17 and the account wasn't reaffirmed after you became legal, then that's all you really need to have this accoutn wiped off your report. A company has no standing action when they enter into a contract with a minor. So you should check to see when see the last time she made a payment. If the last date of activity, which is 3 months after a final payment is made, occurred before you became legal, then that is what you argue. If that doesn't work, then you can dispute on grounds of fraud. They might go after your mom legally but, she can always setup a payment arrangement. Atleast it will be off your credit report.
First thing. Is the account open or closed? If the account is still open then you have to make sure the payments are current. Even if you have to do it yourself. What has been done _ has been done. Make it work for you. A 2 year old account has a positive effect on your credit. Even if it has late payments in the past. You can get it current.
Of course, if it is closed, call AMEX. Don't call the collection agency if it has been transferred away from AMEX. You don't have to identify who you suspect open the account.
Tell them the facts. You didn't.
Tell them the facts. You were 17 when the account was opened.
Another fact. Credit card company don't investigate ID theft. Especially if the person wasn't caught using it with a merchant. Merchants may pursue fraud.
Examine your report. What is the paymet history of the card? Is it still open and actively reporting.
Of course, if it is closed, call AMEX. Don't call the collection agency if it has been transferred away from AMEX. You don't have to identify who you suspect open the account.
Tell them the facts. You didn't.
Tell them the facts. You were 17 when the account was opened.
Another fact. Credit card company don't investigate ID theft. Especially if the person wasn't caught using it with a merchant. Merchants may pursue fraud.
Examine your report. What is the paymet history of the card? Is it still open and actively reporting.
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