08-08-2014 08:13 AM
08-08-2014 08:38 AM
08-08-2014 08:46 AM
08-08-2014 09:11 AM
I agree that you should absolutely put a freeze on all of your credit reports ~ if you decline their request to finance the kitchen they might reapply in your name.
08-08-2014 09:48 AM
Yes wow what a mess and what terrible parents.
Definitely freeze your reports, but then seriously think about making a police report. I know you probably won't do that because they're family, but then family fraudsters count on the goodwill of the people they're using. That's how they operate.
Also if your parents were using your ID before you were of legal age, you can probably get at least some of those baddies removed based on that alone, even without making a police report. Good luck, LShawn.
08-19-2014 05:40 AM
Report it as fraud, take it to local police department and file.
How to tell them? Tell them, this is credit not money I have on hand to lend. I dont feel comfortable with me borrowing 6000 dollars to pay for your appliances. If they get sassy just say with your repayment history I know I will not get my money back and I am not ruining my credit and getting myself into debt over your appliances.
Screw them, they want to use your money but wont use their own? If their credit is that bad, theres a reason nobodys giving them 6000 for appliances, jump on that wagon and dont give them any either.
08-20-2014 02:49 AM
You're absolutely right to put your foot down on this! And you should consider filing a report on any fraudent accounts they opened in your name. If they confront you on why you've reported fraudulent accounts, remind them that those are not your rules...it's just the law.
08-20-2014 07:59 AM
I want to turn them in though...I justsoooo irritated. Even that 38.00 Dish network bill went into collections. That is the only reason I knew it existed , SERIOUSLY 38.00 into collections!
Talk to your parents. Tell them they've been ruining your credit and your going to pull your report and dispute any credit that you didn't open as Fraud. Advise them that if they need appliances, then they need to get credit from Home Depot etc and apply. Otherwise use Craigs list and purchase what they can afford. In addition, advise them to search the internet for ways to improve their credit within 30-60 days.
Put a freeze on all of your credit, pull all your reports and dispute anything you didn't apply for yourself. Dispute every item as not yours and get them to verify, via your signature on a contract that it is yours. If it requires that you file a police report, do so. If it doesn't don't. Don't report your parents specifically, let the investigators do their work. Unless they specifically told you, we're applying for credit in your name, you have darned good supposition but not knowledge.
Regardless get everything that you didn't apply for off your report and don't worry about their hurt feeling. They aren't concerned about your feelings or your financial future. It will not stop if you don't put a stop to it. My sister constantly did things, "in my name," and didn't stop until her death. Your parents will do the same to you unless you stop them. Hopefully telling them that your filing a fraud report, and following through on it, will stop them from continuing to apply for things in your name.
08-27-2014 11:28 AM
I agree 100% with bdhu2001. Stop letting them take advantage of you.
Warning: There will be hard feelings. Once you start telling people "no" who are used to you saying "yes" they will become very angry. My husband & I went through the same thing. Put your foot down, stay strong , and it will all work out.
I will keep you and your family in my prayers.
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