 Is it possible for someone who has just gone through bankruptcy to receive a new credit card? |
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 Which card is safer dibet card or credit card to shop online? |
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THANK YOU... |
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 Debt and Overdraft problems. Advice please? |
Hi,
I was made reduntant from my job last September. I worked for a large bank and they layed off 80% of the department.
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 Credit Card without large fees? |
Additional Details
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 How long can a collection agency try to collect on a debt? |
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 How do you know its a collection agency and not a fraud? |
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 Should I get another credit card? |
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Heather J | My mom is ruining my credit, what do I do? |
A couple years ago, I didnt have any credit, and my mom added me to her credit card. She said it would only help it. Well what she was really doing was hiding the credit card from my dad under my name!
I have a few credit cards in my name now, and pay on them always on time. Well I went to look at cars, and they denided me for a loan as I had a credit card out past 90 days. I did not understand b/c I knew I had nothing of the sort. So I asked for a copy of my credit report and found out it was my moms credit card, that was above the balance, and WAY past due. It has now tarnished my credit as I was looking for a new car and to move out of the house. All of which I can not do now.
On top of this, my dad has no idea about this credit card and my parents are in really tough financial time right now, and are always asking to borrow money from me... I feel bad so I help them out and then they can only pay me back some at a time.
How do I fix this w/out putting them in a bind? |
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Ted
 |
I'm confused. You do not say if she added you as a co-borrower or as an authorized user.
If you are an authorized user, then you are not responsible for the card. Write to the card company with copies to all credit bureaus point out that you are not the borrower and ask that it not be reported in your name and be removed from your report.
If you are listed as a co-borrower, but you never explicitly signed an agreement and never implicitly agreed by using the card, then write to the card company and tell them that this isn't your account and to take your name off. Copies to all three bureaus.
If you approved this in the first place or have used the card, then you have a more serious problem. First, stop the pain right now. As co-borrower you have the right to close the account. There will still be a balance but you can close it to new charges. Based on what you've said, your mom has gone beyond having financial problems and is a credit junkie. (Sorry if this sounds rough, but she needs some tough love; she needs to confront this.) You would be doing you mother a favor, long term. Then you have to send in a check for the past due amount and start making minimum payments right away to start cleaning up your record. Making the pat due current will be a huge start. |
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DarkAgent
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The government doesnt look to kindly on things like this so becareful before you go reporting it. I would first talk to your mom and get all the information on these cards. A credit report will show you all card and lines of credit that you have open and that people have your name attached to. (your mom has a credit card and put you as a authorized user). Then call the companies and take your mother off the cards if you are the primary user. If you are not the primary user then you can request that your name be taken off the account. |
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Doctor Deth
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call and have the credit card company freeze the account - don;t allow any more charges on it - unfortunately, you're going to have to help pay it off in order to be able to close it out totally and get your name off of it |
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Dave
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I'm sorry to have to point this out, but by opening a credit card in someone else's name, your mom committed fraud.
The first thing you should do is send certified letters to each of the credit reporting agencies stating the account is not yours. Because it's their job to prove the account belongs to you, you don't have to explain why you claim it's not yours, so this will be the least uncomfortable way of dealing with this if it works. They will compare account details with the card issuer and if enough details don't match up, they will just delete the account, no questions asked.
If the credit bureaus come back stating they verified the account belongs to you, you don't have too many options, and none of them are pleasant, I'm afraid.
First, you can ask your mom to own up to what she did and take responsibility for her actions. If that goes no where, unfortunately, your only options left are living with the situation or filing a police report to provide the credit bureaus with in order to get it cleared from your credit report.
I feel for you, and wish you the best of luck in dealing with the mess your family created for you. |
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DaMan
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This is very tough, but . . . I will tell you this.
You can no longer afford to have two separate realities for your Dad and your mom.
You should continue to help family WHEN YOU CAN and for God's sake, tell your Dad about the "secret" credit card.
When your mom and dad are in a financial bind, the last thing your parents need are additional "lies", "secrets" or "time-bombs" floating around about debts.
Next, I would close the account out that is in your mom's and your name. You don't want to give your mom any more incentive to run up debt "with good intentions".
Next, postpone buying a car and pay down the debt with your and your mom's name on it. Get a payment plan with your mom and if necessary, encourage her to get a 2nd job. She KNOWS its foul to leave you out in the cold like this, so if she is serious about helping you {and herself}, she needs to show you that she is serious about eliminating THIS DEBT. |
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Isis
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You really need to let your Father know what's going on-your Mom may have a problem which is only going to get worse. Secondly I advise you not to report this because your Mom may end up with criminal charges of fraud. I think you all need a Family talk and perhaps Financial councelling. I hope you get things straightened out really soon!! |
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hotlilblondie831
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You can't fix it without your mom getting in trouble. I know it is hard but she shouldn't ruin your life by ruining your credit. If you were under the age of 18 when the card was opened you can dispute it as fraud as a minor. If you were over 18 then you can dispute it as innocent spouse, or in your case child. If you did not know about the card it is fraud! |
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knitting bear
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My mother tried the same thing with me when I was 16 & opened nearly 40,000$ worth of accounts in my name using her income. When I turned 18 & got my first credit report, I was nearly 150,000$ in the hole. I immediately went to the police, file a fraud case & sent the police report to the individual creditors. My mother was, thankfully, put away for 22 years on credit fraud, credit abuse of a minor, & a host of other charges. My credit history was clrd & I was able to start my adult life a lot easier. This is not the easy way to go (I have not had contact with the rest of my family for over 15 years!) & I would not suggest it to anyone who is close to their family. This is, however, a sure fire way to stop the collections problems. |
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src50
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You can't fix it without "ratting out" your mother (who deserves it). The only way to fix your credit record is to dispute all these accounts that were fraudulently opened in your name. |
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mccray_51
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This is a hard one...short of bringing up the arrears yourself...what can you do? Your parents are obviously having a time of it....maybe try and get a personal loan to consolidate your outstanding debt and make it more affordable to you.
Since you must be the primary on the card first thing call the creditor and have it closed so your Mom is unable to use it while you are paying it off.
I would make it clear to your Mother that as soon as she is able you want your funds returned.
Good luck |
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Lys C
 |
Well you could call the CC and ask them why it is on your report - if she added you to her card this would not be the case so it had to opened in your name.
You have 2 choices:
1. File fraud charges against your mom and dispute the charges.
2. you can suck it up - have a heart to heart with mom about what is going on and if times are that tough help them out.
Personally, I would do #2, they are your parents and they paid for your for how many years. |
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