Reply With Quote
its the facebook virus imo
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 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??
its the facebook virus imo
She hasn't entered her social on facebook though.
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
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.
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.
Rofl!
Let me say that this is me speaking with no iden y theft experience...but...
How can it really be that big of a deal? You find on your credit report thats no yours, you get it removed, you go on with life?
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 su ious 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.
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.
to see exactly how the ss number was used.
She isn't working, and does not have any credit cards. Only places that would have her social would be doctors offices or dentists.
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 about a single person's iden y theft.
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.
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 sure don't know. My aunt had this happen to her and say they got involved but I don't know any details.
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.
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?
i thought running a credit check hurts your credit?
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.
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 dumb 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 ing 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.
There are currently 1 users browsing this thread. (0 members and 1 guests)
Posting Permissions
