 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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Lin ♥ J Thinker | What do you do when someone stole my social security number and used it to get loan in my name? |
How do I go about in getting that off my credit record and not having to pay for that loan.
Additional Details
Well this happen like 5 years back I just noticed it on my record... does that matter? |
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Studly
|
Don't panic....just follow my instructions and you will get through it.
Identity theft is a huge crime now, and all of the major credit reporting companies have already set up programs to deal with it.
Your first step is visit the FTC's website and read the file they created about ID Theft (see the link below).
Generally, the procedure goes like this:
Notify the police and get a police report. Note the police won't do anything about it...no investigation or anything. Doesn't matter, you need to have a police report made to protect yourself. So INSIST that your local police give you one...even if it's just an "incident report".
Notify one of the credit reporting agencies (Equifax, Experian, Transunion) and inform them you are the victim of identity theft. They will in turn contact the other Credit agencies. All three will place an ID Theft Victim flag on your report, with instructions to contact you in the event someone tries to get credit in your name.
Contact the creditor who gave the loan and inform him it's not your loan. You may have to supply a copy of the police report, plus a signed and notorized affidavid stating that the debt is not yours. Go to the link below to get it.
Do this NOW! ID thieves are like cockroaches. When you start seeing a problem, it's usually a whole lot worse and you have to begin fighting it. They may have lots of other loans out there. You only know about them when the collectors start to come after you.
Good luck, contact me if you need help. I've been there, and have helped many others fix their problems. |
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mmaskovic
 |
I am sorry to hear that J, there is nothing I could tell you that you probably already don't know, report it to the police and hope for the best result to come out of it.
I hope everything goes well my friend. |
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gsant75
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start with the credit beureus and report it. Call equifax, experian and trans union. |
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careercollegestudent69
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Report it to the CC Bureau, the cops, and the people that gave the loan. Tell the people that gave the loan if they don't write it off, then you will sue them. Hire a lawyer if you can. |
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uimblue
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you are worrying about the wrong thing here, you need to be worried about who the hell the person is, and one loan,just think of all the other things that could be happening with your ss number, the way you wrote this tells me that you already know who.. because i would most definitely be more concerned about a lot of other things going on with my damn card,this is serious!!!! |
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tracieisland
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go to the police, get a crime number or go to the c.a.b for more advice . they should be able to communicate with the loan firm on your behalf.
good luck hun. |
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Cheezy®
 |
http://ssa-custhelp.ssa.gov/cgi-bin/ssa.cfg/php/enduser/std_adp.php?p_faqid=329&p_created=959710322&p_sid=GGQWRm8i&p_lva=&p_sp=cF9zcmNoPTEmcF9zb3J0X2J5PSZwX2dyaWRzb3J0PSZwX3Jvd19jbnQ9NjMmcF9wcm9kcz0mcF9jYXRzPSZwX3B2PSZwX2N2PTEuMTYmcF9wYWdlPTE*&p_li=&p_topview=1 |
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JACKnine
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Report it to the F.B.I - they may be able to clear it all up for you and get you back on track or give you a new social.
https://tips.fbi.gov/ |
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James L
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Report it to all three reporting entities, TransAmerica, Equafax, Esperian and fill out the forms they will send you contesting the error. Report it to your local police dept. Good luck it may take some time and effort. |
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pimpdogspence
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yeah u should report it and if they don't do anything then sue them |
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