Credit Card Center Advertiser Disclosure

Established Member
Posts: 26
Registered: ‎04-17-2007
0 Kudos

Victim Of ID Theft

Relatives of mine opened up credit using my info and placed me as a co-signer without my knowledge or authorization, and of course the debt was never paid ($7,000+). When a leasing office ran a check, I freaked out. They opened credit in 1999! I knew who it was right off the bat because their home addresses were on my report, so I guess they put me as living with them. I never lived with them and never will.  I placed a fraud alert with all bureaus, and I'm also sending the creditors an ID theft affdavit via certified mail. I gave them the names and current address of the relatives, let them get into trouble I don't care, they should have not done what they did. This has been nothing but a nightmare, a huge fight, and spent lots of money trying to have my name cleared and its still not over.
Regular Contributor
Posts: 219
Registered: ‎04-17-2007
0 Kudos

Re: Victim Of ID Theft

This is more than fraud - it's forgery, because you have to have actually signed SOMETHING to be included as a co-signer.
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0 Kudos

Re: Victim Of ID Theft

Yep.. you need to contact the local authorities.
Frequent Contributor
Posts: 351
Registered: ‎04-02-2007
0 Kudos

Re: Victim Of ID Theft

I agree.  I'd prosecute, family or not.  No one has the right to destroy your credit.  Other relatives might want to check their reports as well.  If they did this to you, they could have done it to others also.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.