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It’s time to help my brother with his credit.
We found this – a Kohls/Chase credit card. He did not apply for the card. He most certainly did not use it. We strongly suspect who did. Proving her and the fraud would be tough.
He currently only has one active credit card that HE applied for, knows about, and uses.
Thank you, in advance, for your responses. There will be several postings withquestions. Each post relates to a different aspect/issue of the credit report. I promise!
If he wants the card, get the address changed, report the card as lost and get a new card with a new number. That should do it.
That said, if someone was app'ing credit in my name I would have them arrested for identity theft.
Has that account ever been used?
And that is illegal.
If not handled correctly (now that he has become aware of the situation) there could be serious consequences.
1. We are pretty confident that the person who has done this is his "x". Even his marriage was considered fraud by the courts and was annulled.
2. It would be very tough, even with the original applications in hand, to prove that she was the one who committed identity theft.
3. She does have his ssn# and his dob. She has even forged his signature and had it falsely notarized (she did both - the forgery and the notification under a false identity). Her repeated acts of fraud and identity theft have been to court many times. She gets a slap on the wrist, maybe a weekend in jail, and that's it.
The idea of calling in the card as lost or stolen is a great idea!