New inquiry not authorized by me

[Anonymous]

Hi all, my son used my ss number to apply for a car loan with Wells Fargo and used my ss number as a co signer, got an alert from my fico informing me of this. IM BEYOND PISSED AND DIDNT GUVE HIM PERMISSION TO DO SO. It's on my equifax and according to credit karma it dropped my score 60 points. I just bought myself a new car in April and have been working so hard to get my scores up so I'm able to obtain a mortgage in the next few months. Is there anything I can do to have this removed?

[RobertEG]

Yes.

Follow the identity theft procedure set forth in FCRA 605B.

Details can be found in the sticky thread in the upper portion of the General Credit Topics forum.

[Anonymous]

---

@Anonymous wrote:
Hi all, my son used my ss number to apply for a car loan with Wells Fargo and used my ss number as a co signer, got an alert from my fico informing me of this. IM BEYOND PISSED AND DIDNT GUVE HIM PERMISSION TO DO SO. It's on my equifax and according to credit karma it dropped my score 60 points. I just bought myself a new car in April and have been working so hard to get my scores up so I'm able to obtain a mortgage in the next few months. Is there anything I can do to have this removed?

---

Hi DCH.

As RobertEG stated you have get the INQ removed, but to prevent further unauthorized inquiries, you can freeze your reports.  I have mine frozen not so much for identity theft reasons, but wanting my AAoA to improve, and since I get charged to unfreeze my reports, it's incentive not to app. 

[Anonymous]

Can't you also still put a fraud alert on the cra's for free, so they have to contact you before approving anything?

We had to do that before when my BIL stole hubby's identity.

[Anonymous]

---

@Anonymous wrote:

Can't you also still put a fraud alert on the cra's for free, so they have to contact you before approving anything?

We had to do that before when my BIL stole hubby's identity.

---

Yes the fraud alerts are free.  Did it affect your husband when it came to potential creditors?

[Anonymous]

We pressed charges (this was a repeat offense. The only way he was going to learn you can't do this was to press charges. He still did it to others but not us again.) There were 3 cards. One took it off immediately when we called, the other 2 wanted police reports then removed the accounts. We were pretty lucky compared to what I hear some people go through for ID theft.

[RonM21]

It's unfortunate that it camw to that but you have to do what needs done in protection of your identity and everything that goes with it, including your credit.