Parent opens credit in kid's name, then chargeoff. What can be done?

[raz]

Since she has a history of doing this sort of thing, would it not make sense to call the three credit bureaus and put a freeze on the accounts?

[anonymouse1]

Police. Now.

[katkramer]

Oh, I just thought of something else while talking with her dad last night.

Since companies are pulling background checks for employment, and she is due to graduate from college within the next couple of years, it could also cause her problems when applying for jobs if it's not cleared up.

She pulled her credit report because she's trying to get an apartment. Her grandparents (mother's parents) had to cosign on the last one, and she was trying to do it on her own.

Very sad, because she's pretty responsible with her money and bills. I'm sure an apartment would see it as "just another irresponsible teenager" and count it against her.

Thanks for the freeze recommendation. I'm going to help her with the online disputes over Thanksgiving. I know about "debt validation," but everything I can find about it deals with the collection agency, not the creditor. The daughter's never been contacted by a collector.

I think mom needs to be held accountable for this one.

[AAA]

I once had a ton of stuff between my parent's credit report and my own all out of whack. Took a while and lawyers letters to get it all cleaned up.

No fault of either of us (me or parents). Just crappy world we live in.

Money means WAY too much today.

[rgG]

She needs to talk to Chase first and find out who they were dealing with while the card was being used, where the bills were being sent, who did they talk to when they wrote off the amount, etc. It could even be as simple as Chase mis-reporting something, but since they are the creditor, she should contact them first before doing anything else. Until you find out the facts from Chase, everything else is just speculation.

[Jimmypoo]

RAMd®d wrote:
Doing so could be seen as acknowledging the debt.

The debt is there, acknowledged or not. That the daughter does not acknowledge it does not make it go away.

That said, I say don't waste time and energy on anything else-- call the cops.

The law says... that ANY payment made (even 1 cent) will disqualify ALL the time spent in purgatory and
refresh the debt as though it is day one - as far as responsibility.

If you aren't responsible, you don't pay it. If you are, and you INTEND to pay your way out, then you follow Paul and inquire. Had to deal with 10 years of this crap, post divorce, and cards in my name with
charges not made by me (or joint cards) had to be left alone for TEN WHOLE YEARS to be able to make
a claim that the debt wasn't mine. And that meant eat the damage they were doing the whole time
as they aged (since there were no cops to call), and wait it out.

funny thing---- as they fell away, it had the same effect as a bankruptcy... in that, the debt was gone.
And credit healed as each one dropped away. The effect was the same. Keep that in mind for anyone
who thinks about bankruptcy IF you have the time to wait it out. I did.

I'm clean now - and no debts OR bankruptcy on my record.

[Black]

So, would you recommend bankruptcy?
Sounds kind of attractive, some days . . .

[cbelt3]

Diese frau ist eine Hexe. Sie is die Geldsauger, und du bist der Geldscheisser. Schade. Sehr schade.

The mother committed identity theft. Pure and simple. At age 18 your future step daughter was an ADULT. Talk to Chase first. Explain the identify theft situation. Ask them if you should go to the police. The fraud was done against CHASE, NOT against your future stepdaughter. CHASE screwed up by accepting this card without proof of identify. NOT your future stepdaughter.

Chase's fraud department should help you.

[vision63]

Once she deals with Mother, she can pull her credit reports and dispute the charges. She can fax them the judgement against her mommy. Send Chase the same thing. She can then sue Chase to have the debt expunged if they continue to persist. Then sue mother dear for expenses.