 How badly will one missed cell phone payment affect my credit? |
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 I owe about 13000 in credit card debt. I earn about 300 a week and my rent is 600. Should i declare bankruptcy |
| Hi. I have owed my creditors money for 6 months. I owe about 13000 and my monthly rent is 600. I have a total of 9 creditors. Two of them, CHASE and Bank of America, have offered to forgive about 3000... |
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 Nearly 8 years old debt - is it still on my credit report? |
i have 3 ccj's and a few debts that at default. i havent paid any of them and they about 8 years old. dont they just come off after a certain amount of years? or do they stay on forever?
A... |
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 Pre Paid Debit Card? |
How do I apply for one of these cards without already holding a credit card with which to pay the initial fee
Additional Details
It is a DEBIT card i need not a CREDIT card. All of those ... |
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 I need a $5,000 deposit,but my credit cards are maxed.I was denied a loan 2x. what's my best option/s? |
My credit score is around 650-688 the last time I checked.
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 How do u apply to start gaining credit? |
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 So a cop is looking for me due to unpaid credit cards? |
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 Capital One? |
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 Washington Mutual? |
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 What is the statue of limitations for collecting a debt? |
| I live in Washington state. Sixteen years ago, My husband and I moved from town out into the country, we had our phone transfered from one prefix to another, stayed with the same phone company, just ... |
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hey it's me☮ | How do I stop my mom from giving me bad credit? |
She's been using my ssn to open accounts, and I don't think she's been paying any of the bills! I just got a letter from Sprint(in my name) and I remember we had Sprint a while back, but we switched to Verizon(In her name) The Sprint letter said that I owed $874.69! for some outstanding bill I didn't pay! and then my mom couldn't pay for our Verizon bill and we switched to t-Mobil (in my name) and we've still got it. While we were still with t-Mobil she also added us to Verizon(in my name) She ran up the bill to the point where she can't pay it, and now I(meaning her) owe 1,000+ dollars! We also have a land land for Verizon, but thats being paid. It was cut off once for like a month! I think she opened up a few credit cards too. I'm 16 and I really really don't want to start off with majorly damaged credit when I'm an adult. I don't want her to start using my little brother or sisters ssn either. I need this to stop! And I know she wont listen to me. she'll probably blame me for it! I need help.
Additional Details
I don't want to do that to my mom. |
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Ashley S
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Sorry I know you don't want to get your mom involved with the law but that is the only way she is going to be stopped. I understand that shes your mom and all but family shouldn't do that to family. Your mom has basically messed up your credit all ready you also need to call up the credit bureaus and have them flag your credit reports, and unfortunately since your credit is so bad already from your moms damage its going to be nearly impossible for you to get any student loans if you go to school, or credit cards or even things like lights and gas bills in your name or an approval for an apt or a loan to purchase a car. all these things check your credit scores. So im sorry to say but the only way to fix the problem is contacting the proper authorities and reporting it to the companies that you are getting bills from.I know its not easy but it is the only way she can and will stop and you credit might be able to be received, what she is doing is stealing your Identity, my aunt went thru the same thing just by her drivers license falling out of her pocket.The person opened up all kinds of things n bills in her name and even though she got everything taken care of and they caught the guy she is still finding that she is paying for what he did, so trust me act now and don't wait. Yes hun, they check your credit for student loans because you do take out such large amounts of money and they always check your credit and now with the way the economy is it will be even harder for you to get loans, even i dont have credit and i pay all my bills on time and the minimum payment or more and its not that easy to get student loans anymore. |
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TX Mom
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I know you don't want to, but you need to turn her in. Call the police.
TX Mom |
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Tim
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This is highly illegal. Your mom needs to be stopped.
I would contact the police. She will ruin your adult life and possibly others if left to continue.
**If you don't want to do anything, then you have no right to complain. Your mom is on a destructive course and doesn't care who she hurts. This will get worse and she will start going after your brother and sisters credit. This behavior could lead to other criminal activities to try to get the money to pay some of her debts. It will destroy your family. The best thing you can do for her and your family is to turn her in. This will hopefully be the wake up call she needs to change her ways. If you let her continue, it will only get much worse and all of you could be taken away from her. It is a tough call, but she NEEDS HELP! |
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mysweetshadow
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my mom did this to me. i'm 26 and still trying to fix the damage. get your SS# and get your 3 bureau credit report. it will tell you all of your accounts and their statuses from experian, equifax, and transunion (the 3 major credit reporting agencies). obviously if it shows the activity you've been talking about, and you haven't done it, someone else is. *you can put a hold on your accounts, kind of like a flag so that every time someone wants to open an account with your SS# it alerts you. i think you can do this through one or maybe all of the credit reporting agencies. as for disciplinary action, i don't know if it's possible to notify police and get it resolved that way or not. i personally did not want to do that. what i do know is that you have to have it taken care of or it will follow you around and before you know it, you won't be able to open a simple credit line. if you have any questions or you want me to explain anything, send me an email and i'd be glad to try to help. it's sad that parents are doing this to their kids....and 10 years later, here i am still trying to get good credit because it was tarnished before i even was old enough to have it. |
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Stray Bullet
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Thats terrible. If i were you, I would have reported her to the police already. She shouldnt be doing that man. |
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Douglas L
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Send letters to all those companies and explain the situation. Make sure you tell them you are only 16 years old. Get all the counts put in her name.Also tell her what you are doing. Only go to the police as a last resort. |
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Bart M
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this is identity theft and is illegal. I'd contact the local prosecuting attorney's office. |
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GOW
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You can't open a credit card at the age 16..
When she uses your SSN, They should check some ID and see she isn't you...
If it is still going on when you're 18 years old, take her to court. |
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andy
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Report her to the police and then report to all of the credit bureaus that your mother stole your social security number and to put a lock on your credit so that you have to authorize any credit. She is most likely already using your other siblings ssn's. What she is doing is illegal and she needs to be stopped. You will have to report her to the police before she ruins all of your credit before you even have a chance. |
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Kim T
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First of all, you need to stop using expensive phone services if you cannot afford them, or your Mom needs to stop using them. Virgin Mobile is pre-paid, it's good, and it will get you through. Close all the other accounts out and only work with a pre-paid company. It's foolish to owe thousands of dollars a month for phone bills, when you can pay $30 and be done with it. Granted you cannot stay on the phone for hours on end and text like crazy, but you will be able to get a handle on this crazy phone usage that looks as if it's going to put you in the poorhouse before you even turn 18. It's possible for you to ask the Social Security people to make sure your identity has not been stolen, and ask SS to straighten it out for you.
I know you do not want to turn your mother in for fraud, but if she continues, someone will finally catch on and realize you are too young to open an account, and that someone (your Mom in this case) is using your SSN to get credit. You need to stop her now before she faces federal charges for felony fraud and ends up in jail for the rest of her life. They won't come and get YOU, they'll come and get HER if it doesn't stop. Quite frankly, it doesn't matter how you feel, or how I feel, or how the other answerers here feel -- if Mom's using your social security number to perpetrate a fraud, she'll be caught soon enough. You are only enabling her to get herself in a huge mess of criminal trouble if you don't take some steps to stop her. First ask her, then tell her you are calling social security to see what is on your record. That ought to bring her to her senses.
I wish you all the best. It's a tricky situation, but just remember that federal crimes of fraud will be brought on your mother, not only you, once they get wise to what is going on. |
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