12-04-2012 12:31 AM
12-04-2012 12:58 AM
Sorry for what happened with your wife, but her age should make the whole process a lot easier as it is fairly obvious she couldn't have been able to open those accounts by herself when she was like 2-3 years old.
Google "How to dispute identity theft", there's pretty much useful information on this matter.
As the first step, I would call all three major CRAs (Experian, Equifax and Transunion) to order reports from them and to place a fraud alert/freeze in order to make it impossible to use the SSN to obtain any new credit now. When you have your wife's reports, you'll have pretty much an idea of what was going on. After that you'll be able to start disputing items one by one directly with affected lenders / collection agencies. I really don't expect a serious issue here as the situation is too obvious.
Don't forget to perform actions recommended by FTC (Federal Trade Commission) for victims of ID theft. You might probably need to file it with local police, but I don't have any further information on this, so would be better IMO to start with CRAs and FTC and then follow their recommendations.
Good like cleaning up you wife's name!
12-04-2012 12:59 AM
Hey I Tryed To Get My Wife a Capital One Card She's 19 And They Said Send a Letter Then 2 Days Later Her Phone Was Ringing Off The Wall From Credit People Say She's In Debt 5k from capital one and some other credit I forgot and I said she's only 19 how can she have credit from 1995 she was 2 years old somebody stole her ssn I guess and now I pulled her credit she's got like 7 collections and I went to Carmax and got a car from then in April 2012 no credit at all 24.9 apr $600 a month I didn't care anyways how can I fix this I wanna get her credit going
1. Place a fraud alert on all your reports
2.file a identity theft affidavit at your police station
3. send a copy of the ID theft affidavit with a copy of her drivers license to each creditor stating that it was an identity theft case, since she would have been 2 when they issued her credit. Also wouldn't hurt to add a DV/Cease and detest at the sametime so they can't bother you again.
4. Send documents to CRA's as well
5. if CRA's are giving you a hardtime file complaint with CFPB Cream filled peanut butter jk consumer financial protections bureau. They will push the CRA's to delete if you have a legitimate case.
12-04-2012 01:01 AM
also how could you NOT care that you guys are paying 24.9% on a car loan? -_-;
on a 5 year loan if you borrowed $10,000 you'd pay back a whopping $22,500
12-04-2012 01:24 AM
12-04-2012 01:50 AM
good lord on the car note.
post your wifes situation in the rebuilding section if you need further assistance.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.