Looks like my fiancée is a victim of identity theft..

[Brutalis]

So we're trying to get a house and they checked her social security card and apparently it is in use in two other states is what we were told.

The lady selling the house told us that her guy that checks out the credit report thing is going to further investigate what exactly is going on and to hold off for a day before we contact police.

What the hell could he have to investigate? Her social pulls up two other people, or the same person in two other states... so what's the deal?

Anyone here been in this spot before or know of a friend have any advice??

[The Reckoning]

its the facebook virus imo

[Brutalis]

She hasn't entered her social on facebook though.

[MannyIsGod]

Maybe she's really an illegal alien and bought a SSN. Have you seen her birth certificate?

[The Reckoning]

Maybe she's really an illegal alien and bought a SSN. Have you seen her birth certificate?


now that she has an anchor baby its too late

[Brutalis]

Maybe she's really an illegal alien and bought a SSN. Have you seen her birth certificate?
I'm sure there will be a ton of sarcasm in this thread but this is a serious deal and I'm not really down to spar with words over this issue.

[MannyIsGod]

I'm not trying to spar good sir. I was simply providing you with a possible situation. Also, I'm going to say that no thread in the Club on Spurstalk is or ever will be a serious situation.


TBH if you want advice you should call the cops or at least run a credit report on you fiance to find out what is going on.

[lil'mo]

Rofl!

[MannyIsGod]

Let me say that this is me speaking with no identity theft experience...but...

How can it really be that big of a deal? You find shit on your credit report thats no yours, you get it removed, you go on with life?

[The Reckoning]

http://www.wired.com/threatlevel/2009/02/stolen-wallets/

[ashbeeigh]

It could be someone from her work place. They have access to all that fancy stuff. Have her ask to see if anyone has had that trouble.

Also put fraud warnings on her credit cards just to cover your bases.

I received a letter from my car insurance company saying that my social was accessed and no notes were entered in my account so I should keep an eye out for any suspicious activity. Has she gotten any letters like that in the past (a long time in the past like when TJ Maxx accounts were hacked?)

Just a few thoughts.

[Brutalis]

Sorry I misunderstood you Manny.

We're just not real sure about this process or what to do other than file a police report, when they probably can't do anything about it anyway. Sounds like an FBI thing to me.

And I'm also not sure how to get things removed from a credit report without proof? So I assume there's a process before that even happens.

[Blake]

The lady selling the house told us that her guy that checks out the credit report thing is going to further investigate what exactly is going on and to hold off for a day before we contact police.

What the hell could he have to investigate?

to see exactly how the ss number was used.

[Brutalis]

It could be someone from her work place. They have access to all that fancy stuff. Have her ask to see if anyone has had that trouble.

Also put fraud warnings on her credit cards just to cover your bases.

I received a letter from my car insurance company saying that my social was accessed and no notes were entered in my account so I should keep an eye out for any suspicious activity. Has she gotten any letters like that in the past (a long time in the past like when TJ Maxx accounts were hacked?)

Just a few thoughts.

She isn't working, and does not have any credit cards. Only places that would have her social would be doctors offices or dentists.

[MannyIsGod]

I don't know what process you would have to do to get things removed from credit reports but it can't possibly be that hard. I mean maybe it could be but I doubt it. It seems the people who opened any credit accounts would have to prove that you did it and not the other way around.

I also doubt the FBI gives a shit about a single person's identity theft.

[Brutalis]

to see exactly how the ss number was used.

Thanks. I was just unsure on how to understand her. She said she cannot comment or say anything other than what she said, and that the guy that runs the credit checks for her is going to call us on exactly what he can tell us.

[MannyIsGod]

The first thing you should have done was checked your credit report. TBH you should have a copy of your credit report on your own before you go shopping for a car much less a house but thats a whole different topic.

Check your/her credit. You can do it for free online.

[Brutalis]

I don't know what process you would have to do to get things removed from credit reports but it can't possibly be that hard. I mean maybe it could be but I doubt it. It seems the people who opened any credit accounts would have to prove that you did it and not the other way around.

I also doubt the FBI gives a shit about a single person's identity theft.

I sure don't know. My aunt had this happen to her and say they got involved but I don't know any details.

[MannyIsGod]

https://www.annualcreditreport.com/cra/index.jsp

I'm assuming you haven't checked this yet within the year so this will be free by federal law.

[Brutalis]

The first thing you should have done was checked your credit report. TBH you should have a copy of your credit report on your own before you go shopping for a car much less a house but thats a whole different topic.

Check your/her credit. You can do it for free online.

I searched for free credit checks and they all end up with a charge to process the credit check. Do you have a link or know of a certain place you're talking about?

[The Reckoning]

i thought running a credit check hurts your credit?

[ashbeeigh]

She isn't working, and does not have any credit cards. Only places that would have her social would be doctors offices or dentists.

Okay. So, this is what you do. You ask your realtor to refer you to a credit counselor. They will then walk you through the process of writing letters to all three credit bureaus to get those accounts off her credit report and closed. They will most likely also be able to help you find your way through the police report. I can't think of any free credit counselors off the top of my head, but they're out there. And I'm not talking about credit counselors who will do the work for you and in the long run bring your score down because they run your credit, I'm talking about the non-profit ones that want to help. Make sure they're 503(c) credit counselors.


I searched for free credit checks and they all end up with a charge to process the credit check. Do you have a link or know of a certain place you're talking about?


annualcreditreport.com is the free site. But, yes, as someone did mention if you run your credit many times it will start bringing your score down. The best best is to ask for a copy from your realtor.

[CuckingFunt]

Let me say that this is me speaking with no identity theft experience...but...

How can it really be that big of a deal? You find shit on your credit report thats no yours, you get it removed, you go on with life?

Depends on what happens and when you catch it.

I had a box of checks stolen off my front porch once and even though my bank was quick to reimburse me for the money that had been taken out of my account, and the processes of filing a police report, filing a fraud report, and getting a fraud notice placed on all three credit reports were all fairly painless, I was writing letters and mailing copies of the police report and fraud affidavit to various stores and businesses (in a number of states) for close to two years because the person(s) kept using my checks and dumbfuck cashiers kept taking them. I was coming home to one or two NSF notices (from the stores, not my bank) almost every day. Long term ramifications were nil, but it put a pain in my ass for a looooooong time.

[MannyIsGod]

Depends on what happens and when you catch it.

I had a box of checks stolen off my front porch once and even though my bank was quick to reimburse me for the money that had been taken out of my account, and the processes of filing a police report, filing a fraud report, and getting a fraud notice placed on all three credit reports were all fairly painless, I was writing letters and mailing copies of the police report and fraud affidavit to various stores and businesses (in a number of states) for close to two years because the person(s) kept using my checks and dumbfuck cashiers kept taking them. I was coming home to one or two NSF notices (from the stores, not my bank) almost every day. Long term ramifications were nil, but it put a pain in my ass for a looooooong time.

Yeah the stores are fucking idiots. I can definitely see why that was a pain in the ass. You can typically call a bank and put a stop payment immediately and for free in a situation when your checks are stolen (any bank that makes it a hassle or charges you is a bank you should leave, IMO) but I didn't even think about idiots that would take them from someone else.

[CuckingFunt]

Yeah the stores are fucking idiots. I can definitely see why that was a pain in the ass. You can typically call a bank and put a stop payment immediately and for free in a situation when your checks are stolen (any bank that makes it a hassle or charges you is a bank you should leave, IMO) but I didn't even think about idiots that would take them from someone else.

When I reported the fraud to my bank they just changed my account and routing numbers, making the entire box of checks unusable. Since whoever stole them was still using them, though, every single check got sent back to the store as if they'd bounced.

In all honesty, though, the constant letter writing was a pain in the ass but it could have been a lot worse. The person/people who stole my checks made out with over $15k worth of stuff.

[Brutalis]

Okay. So, this is what you do. You ask your realtor to refer you to a credit counselor. They will then walk you through the process of writing letters to all three credit bureaus to get those accounts off her credit report and closed. They will most likely also be able to help you find your way through the police report. I can't think of any free credit counselors off the top of my head, but they're out there. And I'm not talking about credit counselors who will do the work for you and in the long run bring your score down because they run your credit, I'm talking about the non-profit ones that want to help. Make sure they're 503(c) credit counselors.




annualcreditreport.com is the free site. But, yes, as someone did mention if you run your credit many times it will start bringing your score down. The best best is to ask for a copy from your realtor.

Thanks.

[ashbeeigh]

In all honesty, though, the constant letter writing was a pain in the ass but it could have been a lot worse. The person/people who stole my checks made out with over $15k worth of stuff.

It better have been good stuff.

[mrsmaalox]

I had that same situation happen to me a few years back. Took the credit report and the realtor's papers to the SS office and they checked it out. Some guy in Nebraska apparently had a tough time remembering his own SS number and was always transposing numbers and writing down mine. He never had access to any of my other information and there was no identity theft or fraud, I guess they just told him to mind his ps and qs. Turned out not to be a big deal at all.

[MannyIsGod]

I'm pretty sure the free annual report has no effect on your credit

[Brutalis]

Well I only have 1 blemish on my credit report.

My fiancée was unable to get hers. They said they were unable to process and complete a credit check for "various" reasons...

errrrrmm..

[MannyIsGod]

Is your blemish your own blemish?

Sounds weird about your fiance. I guess you're going to need to spend some time on the phone tomorrow.

[Brutalis]

Is your blemish your own blemish?

Sounds weird about your fiance. I guess you're going to need to spend some time on the phone tomorrow.

Yep. I can't fight my blemish, it's my own fault. Was young and dumb.

Anyways yeah we are going to try to find those 503(c) credit counselors here in central Arkansas. Google has been no help thus far.

[MannyIsGod]

Good Luck. I sincerely hope your fiance isn't an illegal alien with a stolen SSN.

[ashbeeigh]

Yep. I can't fight my blemish, it's my own fault. Was young and dumb.

Anyways yeah we are going to try to find those 503(c) credit counselors here in central Arkansas. Google has been no help thus far.

Are y'all first time home buyers?

If you are look for a a lender right away. Many lenders will help you get through financing and give you a bit of extra brownie points for going through the credit counseling that I suggested (that's how it was in '08-09 not sure if it holds up now though).

[mrsmaalox]

I'm pretty sure the free annual report has no effect on your credit

True. The only inquiry that will affect your credit is one from a new application for credit. I believe you get docked 5 points for each one.

[PM5K]

My best advice as far as credit is concerned is to double, and triple check anything before you do it. There are things for example that can make your credit worse, and some that can make your credit better, things you wouldn't even think would be possible.

So for example: Baddies on your credit have a SOL (Statute Of Limitations), which means they should only be reported for something like seven years, after that they shouldn't be. So in this case let's say it's been 6.5 years and a collection agency comes after you for it, if you say the wrong words or do the wrong thing you can reset that SOL and keep it on your report for another seven years. Or if you agree to pay something because they threaten you or use some other coercive tactics to get you to pay, making those payments can bring that old baddy that wasn't hurting your score that much, right back to the forefront.

At the same time you might have something that's past the SOL that you can easily get removed via a simple online form. You can sometimes even get things removed that aren't past the SOL and that are rightfully on your credit report because it's something that you didn't actually pay.

So my best advice after that is to check out CreditBoards.com, check out their forums and ask some questions, tons of good advice there.

As for your specific situation, double check like I said but there's a fraud affidavit for situations like hers, and you can most likely dispute anything on a credit report using forms online available from all three major CRA's.

Also, you can pull your report all you wish with no ill effects, if a bank or mortgage company does it you take a hit, however as far as I recall if you bunch them up at the same time the impact isn't as bad as if you spread them out when shopping for a mortgage/home.

[I. Hustle]

She identity thieved mah balls

[peewee's_lovechild]

She identity thieved mah balls

:lmao:lmao:lmao it's cheap, easy jokes like this that put me on the map!

here let me try one...

The only blemish on my credit report was having too big of a cock!

[RandomGuy]

So we're trying to get a house and they checked her social security card and apparently it is in use in two other states is what we were told.

The lady selling the house told us that her guy that checks out the credit report thing is going to further investigate what exactly is going on and to hold off for a day before we contact police.

What the hell could he have to investigate? Her social pulls up two other people, or the same person in two other states... so what's the deal?

Anyone here been in this spot before or know of a friend have any advice??

I haven't been there, but I have read some rather unpleasant accounts of what it takes to get this cleared up.

If she has, it will take a lot of work. Start researching, now.

I would recommend Yahoo's personal finance section for starters, they almost always have some articles about this topic.

http://finance.yahoo.com/personal-finance

If you suspect an issue, there are companies that help with this sort of thing.
There are some monitoring companies that can prevent anything further from happening:
http://www.lifelock.com/

For a fee of course. Without knowing the cost of the services, I would guess that it is probably a worthwhile investment. Look into getting this right away.

That is what I would do. Hope it helps.

I would be willing to be that you can easily find a LOT of articles on this common problems with a simple google search to get started.

Good luck!