MIL opens fraudulent credit cards against both SILs

posted 3 years ago in Legal
Post # 16
Member
6991 posts
Busy Beekeeper
  • Wedding: September 2012

I have a friend who had this happen to her. Her mom applied for “parent student loans”, only for my friend to get a repayment notice after graduation. Her mom had really applied for regular student loans in her name. She also got CC’s in her name and my friend had to file a police report to get it all taken care of.

Post # 19
Member
585 posts
Busy bee
  • Wedding: March 2017 - Nepal

SeaOfLove :  Why isn’t she in jail?!?!? Whether the victim is a family member or not, that is idenity theft and fraud. When a police report was filed the first time, did your SIL just drop the charges?

Post # 21
Member
2705 posts
Sugar bee
  • Wedding: May 2015 - St Peter\'s Church, East Maitland, and Bella Vista, Newcastle

You might be able to get your stepson a new SSN, given that your Mother-In-Law has a history of fraud and knows his number.  Worth checking out anyway.

Post # 22
Member
1945 posts
Buzzing bee
  • Wedding: May 2016

I’ve never owned a credit card but since moving to the USA I’m constantly hounded in every store and bank to open credit cards, I always decline because I’ve always gotten by fine on my debit card,

but how do I check my “credit score”?

 

Post # 24
Member
2404 posts
Buzzing bee

You and your husband ought to see about getting a new SSN for your stepson.  (I had an immediate family member steal my identity & embezzle money from my bank account.  I wound up getting a new SSN as part of the process.)

 

Post # 26
Member
7432 posts
Busy Beekeeper
  • Wedding: February 2013

annelise210516 :  Credit Karma

It’s not really about being able to get by fine with cash/debit, it’s about showing you are worthy of credit. You need good credit to take out loans, buy a house or car, etc. It also makes sense to use credit cards because you can get perks, like cash back or airline miles. Plenty of people use credit cards and then pay off he balance so they don’t get hit with interest.

Post # 27
Member
1945 posts
Buzzing bee
  • Wedding: May 2016

Cory_loves_this_girl :  got it, I see how those things would become more relevant as time goes on and could make life easier. I rarely use physical cash but my VISA/other cards etc with my different banks (because of different countries I have a base in) are just used on debit – no bills end of the month.

 

Post # 28
Member
213 posts
Helper bee
  • Wedding: October 2016

SeaOfLove :  What about Life Lock for all of you including your step son? With that, nothing can be opened unless they contact YOU directly and Ok it. You can’t get one of those credit cards at the checkout to save 10% so it may make things a bit more inconveneient for you. You will also have a monthly or yearly subscription to Life Lock but trying to recover from ruined credit is much more costly. I watched someone at a car delerrship get a loan for 30% on a piece of crap car because they had bad credit. Your in laws have some serious problems and probaly dont even see this as wrong. The Grandson is going to be next.

Post # 30
Member
3510 posts
Sugar bee
  • Wedding: December 2015

SeaOfLove :  is the stepmom not playing with a full deck? 

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