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Forum Index > Business & Finance | >> My dad is opening accounts under my name.!what! | | |
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ale_latina
Über-Meister
1968 points
20/F/, Mississippi
Join Date: Jun 2006 | Stigma said:
Have you confronted him?
I'm about to later today. I don't really see him that much actually.
I want to change the world, but instead I sleep. |  | |
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ale_latina
Über-Meister
1968 points
20/F/, Mississippi
Join Date: Jun 2006 | Lili said:
Is he putting your name on his accounts, or his name on your accounts? The difference is a big one.
My name is under his accounts.
I want to change the world, but instead I sleep. | | | |
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ale_latina
Über-Meister
1968 points
20/F/, Mississippi
Join Date: Jun 2006 | Ellen said:
If he's signing your name then he's committing a felony. Be sure to point that out to him.
that's what I'm thinking.
The businesses that are allowing this are also committing a felony right?
I'm not sure how long this has been going on, but I'm starting to call the companies so they can remove my name before they start claiming money from me or something.
I want to change the world, but instead I sleep. | | | |
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Lili
Silly Lili
Über-Monkey+
52739 points
27/F/Sunshine Land, California
Join Date: Apr 2005 | ale_latina said:
My name is under his accounts.
Then he isn't doing anything illegal at all, he's just adding you as an authorized user on his accounts. I do wonder why though, since he didn't tell you about it. You could go out and start using his cards if you wanted to though now without anyone batting an eyelash.
It used to be that an authorized user would be affected by the credit score of the person who's card they were on. I think they've since changed that, since people were fixing their credit by piggy-backing on other people's credit cards who had a high score. But just to be safe, I'd call those cards and have your name removed. And to be safe, I would call all your credit cards and require a password to get account access, since I'm guessing your dad knows your SSN.
"Give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime." | | | |
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Lili
Silly Lili
Über-Monkey+
52739 points
27/F/Sunshine Land, California
Join Date: Apr 2005 | An authorized user has rights to use a card, but no obligation to pay it. However, if he has taken it a step further, and added you as a joint account holder, you may have a whole different animal on your plate. In that case, you'd both be equally responsible for any unpaid bills. The good news is that you would be able to remove your name if you wanted to. However, I'm not sure what would prevent him from putting you back on if it was so easy the first time. Usually they require a signature from you. If he has forged that, then he is committing identity theft.
"Give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime." | | | |
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ale_latina
Über-Meister
1968 points
20/F/, Mississippi
Join Date: Jun 2006 | Lili said:
Then he isn't doing anything illegal at all, he's just adding you as an authorized user on his accounts. I do wonder why though, since he didn't tell you about it. You could go out and start using his cards if you wanted to though now without anyone batting an eyelash.
It used to be that an authorized user would be affected by the credit score of the person who's card they were on. I think they've since changed that, since people were fixing their credit by piggy-backing on other people's credit cards who had a high score. But just to be safe, I'd call those cards and have your name removed. And to be safe, I would call all your credit cards and require a password to get account access, since I'm guessing your dad knows your SSN.
ohhh. apparently yes he does know my SSN. *i didn't know he knew my SSN* I was worried because he has bad credit, I just didn't want mine to go down with his.
He also told me he has open accounts like loans under my name. :S
Which I am now going to close by calling. or see what I can do.
again, this all happened without him letting me know, which terrifies me because I know he owes money to everyone.
Thank you for your comment. 
I want to change the world, but instead I sleep. | | | |
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Lili
Silly Lili
Über-Monkey+
52739 points
27/F/Sunshine Land, California
Join Date: Apr 2005 | ale_latina said:
ohhh. apparently yes he does know my SSN. *i didn't know he knew my SSN* I was worried because he has bad credit, I just didn't want mine to go down with his.
He also told me he has open accounts like loans under my name. :S
Which I am now going to close by calling. or see what I can do.
again, this all happened without him letting me know, which terrifies me because I know he owes money to everyone.
Thank you for your comment.
Ok, yes, he has committed identity theft, it is illegal. Do you know how much debt "you" owe now? Those banks will swear up and down that you owe them if it's not paid by him. They will take you to court. You need evidence if you don't want to be bogged down for years with bad credit. I would file a police report, pronto, that's your best bet. You'll need a police report # if you want to be able to correct your credit report against reports of unpaid debt. The credit score companies will only make changes when you have a police report number detailing the fraud against you.
"Give a man a fish, he eats for a day. Teach a man to fish, he eats for a lifetime." | | | |
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Oct 10, 2009 @ 19:52:23
Close up all of your accounts immediately and alert your bank and any creditors to what he is doing.
