WHAT TO DO??

[Anonymous]

A few years ago my mom opened a credit card in my name without my permission...the account is in excellent standing. What should I do about this? Report her for fraud?

[coldnmn]

If it didn't do any harm it helped build your credit file. It gave you years of history. I wouldn't want to throw my mother in jail. If you want to I guess you can report her. If it bothers you close it.

[Anonymous]

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@coldnmn wrote:

If it didn't do any harm it helped build your credit file. It gave you years of history. I wouldn't want to throw my mother in jail. If you want to I guess you can report her. If it bothers you close it.

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+1

How old were you when your mom opened the account? Is it possible she was just trying to help you build credit? None of us can really tell you what to do because it really depends on your relationship with your mom. Even if my mom opened cards in my name, maxed them all out, missed payments and wrecked my credit, and did it without my permission, I doubt I would do anything beyond an angry conversation. 

In your case its unlikely any harm is done. The inquiry has aged off. If the account is a positive trade line, if anything it helps you. You mght want to call the issuer and report the card lost and ask for a new one sent to you, or close the account. You probably should also talk to your mom. If you want to take action, you can likely report her and get the account removed from your file (not sure of the process). Again, what you do really depends on the damage done and your relationship with your mom. 

[takeshi74]

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@Anonymous wrote:

What should I do about this? Report her for fraud?

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Only if you're wiling to go to lengths like filing a police report, etc.  Is talking to her first not an option?

[Anonymous]

What would happen to her if i did report it as fraud?

[Anonymous]

The two ACCOUNTS ARE in good standing...she has never missed a payment.

[RobertEG]

If you were to report her, then it will be up to the police and DA to determine whether to pursue an investigation and/or prosecute.

With her being your mom and with no harm done to you, I would presume they have higher priorities and would not investigate such a mater.

I would more likely preduct that they would talk you out of even filing a police report....

I would not even consider filing a police report, as that will only block its appearance in your credit report, not address the real issue.

I would close the account, and suck up up and scoring implications, such as loss of its credit limit.

Now with current knowedge, you become a party to the event.  Closing is, in my opinion, a reasonable handling on your part.

[EddieK]

I'd say Thanks Mom, then move on.

[youdontkillmoney]

report the card lost and get a new card with a new account # so your mom cannot use it anymore; change the security password so your mother cannot have access anymore since she knows your SS# and birthday etc already. it is in good standing so count your blessing, take it and use it.

put a fraud alert on your credit files so when anyone (your mom included) tries to open accounts under your name, you will be notified right away, or if you do not plan to open any accounts for a while, you can freeze your credit file

i would not report her, just be a wary of what she is capable of

[Strogen]

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@Anonymous wrote:

The two ACCOUNTS ARE in good standing...she has never missed a payment.

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Shes not missed a payment....

What the problem dude? 

Just confront her over it. Id tell her im going to be using the accounts as well but to not apply for any more credit in the future. 

Id say thanks for the establishment of credit and all but it was a bit uncouth of you.