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Credit cards got in my name by an individual out of state with same name

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Kathleen21

Guest
Recently when applying for a mortgage loan I was asked why I had about 20 new inquiries on my credit report. Come to find out someone sharing the same first and last name as me had passed my ssn (I guess this person had someone she knew pull credit on all same names) out to creditors in order to receive credit. Two new accounts were created, and charges have already racked up, and my credit score has shot down...what and can I do?
 


I AM ALWAYS LIABLE

Senior Member
Kathleen21 said:
Recently when applying for a mortgage loan I was asked why I had about 20 new inquiries on my credit report. Come to find out someone sharing the same first and last name as me had passed my ssn (I guess this person had someone she knew pull credit on all same names) out to creditors in order to receive credit. Two new accounts were created, and charges have already racked up, and my credit score has shot down...what and can I do?
My response:

Read, learn, take action:

http://www.feelsafeagain.com/identitytheft.html

IAAL
 

bigun

Senior Member
Right off the bat, file a police report and then contact the cc companies involved and ask for the fraud dept. Inform them off the problem and get a name and an address to send the police report. Send it return receipt. Then, do the same thing with the credit bureau. Give them a week and rattle the cage. If they haven't sent the correct info to the credit bureau or if the credit bureau hasn't contacted the cc companies, get a lawyer. You got real damages to sue for. The opportunity to buy a house while interest rates are at 30 year lows.
 

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