Looks like my fiancée is a victim of iden y theft..

[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 iden y 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 iden y thieved mah balls

[peewee's_lovechild]

She iden y thieved mah balls

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 !

[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 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!