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eddylpz | My mom used my social security number and i dont know if it will affect me? |
my mom and i applied for a credit account at macys AND victorias secret. the accounts were approved. howeve i am scared if it can affect any of us
Additional Details
i am 16 years old... i dont know if i will be affected in the future |
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J Ø E
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If it's in your name with your SSN and your mom co-signed, it can have an impact on your credit. If paid properly and responsibly, then it can help establish a good credit rating. If you are irresponsible with paying the card, then it will have a negative impact. It's not Rocket Science.
However........ Is the card in your name or your mom's? Because if it's in her name but with your SSN, then you & your mom have committed a crime. |
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yngblkbeau
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This is credit card fraud, and your mother could go to jail for it. And yes it will affect your credit and your future if she makes late payments or defaults on that credit card account. You need to talk to your mother about this and let her know that what she has done is illegal and that you are not comfortable with it. Those credit cards are in your name so they belong to you. If I were you I would take them from her and cut them up. |
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General Custer
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It will affect you credit for good or ill depending on how the debt is repaid. |
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L S
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Yes, it will affect your credit.
That's some fine parenting. |
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d.san83
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youre credit will be affected. hopefully if the bills are paid and stuff then you should be fine. |
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infinite crisis 247
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you're joking right? being that you're under 18, you cannot apply for a credit card, nor could you be held responsible for one. if your mom used your social to get approved for credit, than she committed fraud. are you sure that she didn't apply and simply added you as an "authorized user"? that would be different. this would mean that if the bills were not paid, her credit would be on the line and you could not be held responsible. you need to get some answers here from your mom because there's some info missing here. |
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staci ♥
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Ruh-roh. |
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disneydreamer
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Yes, this will affect your credit. As long as the balance is paid in full every month. Your credit shall retain a positive rating. |
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☼AstrologerJuliAnne☼
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If your mom flakes out on the payments, you will have a bad credit rating before you are even old enough to have a credit rating! What your mom did was commit identity theft and fraud. She could be prosecuted and serve jail time or pay a hefty fine for it. Did she do this with your knowledge? Why on earth does she NEEEED a VS and Macy's card? How frivolous! It isn't like she is going to be feeding you with those cards! |
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Pedro
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Only her credit is affected because you are a minor and as such have no credit history(too young to enter a legal agreement) So. Make sure your mom gets the bill paid and make sure you help her stay on it because if you can carry an account in good standing in to birthday 18 then YAY! Also, if it's not in good standing (goes late or she stops paying), right before you are 18, get your name off the account so It will either hurt you less or not at all. Good luck. |
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