MIL opens fraudulent credit cards against both SILs

posted 3 years ago in Legal
Post # 32
3513 posts
Sugar bee
  • Wedding: December 2015

SeaOfLove :  sorry, yes, I was thinking “step” and totally got that wrong. I just can’t get over that she knows she’s crazy yet thinks Mother-In-Law is good for him. 

Post # 34
9607 posts
Buzzing Beekeeper
  • Wedding: July 2016

annelise210516 :  hey, having recently(-ish) moved to the USA here’s what I know:

– you dont have a US credit score until you have a US credit card.  My canadian credit history meant nothing over here.

– you probably need to get a “secured” credit card to start you off, since you don’t have a credit history (though since your hubby is american  he might just be able to put you on his card which should also work, and be more convenient)

– after a few months of always having 5-9% usage each month you can pretty quickly have what’s considered a “very good” credit score and open up credit cards, if you feel so inclined.  There are several (e.g. the discover card) which includes a monthly credit score so you can keep track as you continue to improve your credit.

🙂  On the other hand, unless you know you want a loan of some sort (car, mortgage, etc) in the next 5-10 years not having a credit score is a good thing when it comes to avoiding credit fraud a la OP’s Mother-In-Law.

Post # 36
9607 posts
Buzzing Beekeeper
  • Wedding: July 2016

SeaOfLove :  oh yeah.  That’s pretty incredible, actually.  No one would give me an unsecured credit card when I was credit-free, but I assume they’re more forgiving towards 18 year olds in that situation than 25 year olds.

Post # 37
453 posts
Helper bee

I have no useful advice to contribute to this discussion other than to sympathize with what an awful situation it is to be in! But seeing this conversation did prompt me to check my own credit, where I found a new card that I hadn’t taken out myself, so thank you for the reminder to vigilant about credit! 

Post # 38
3905 posts
Honey bee
  • Wedding: January 2017

SeaOfLove :  Im sorry but she needs either psychiatric  help.. or some time in prison for credit card fraud and identity theft. 

Post # 39
627 posts
Busy bee

Honestly you sound like a really lovely person. You helped SIL sort out the mess, offered to co-sign a lease, and offered your bedroom. Lots of respect to you for going out of your way to help and provide support.

Unfortunately, what she’s doing is criminal. Has anyone in the family reported it? Perhaps you could consult a lawyer and see if you could press charges and mandate counseling/treatment if she is found guilty (sounds like there’s enough evidence, too).

I would take pre-emptive steps for EVERYONE around you, including you and your Darling Husband. Since she does have his ssn, you guys should take this seriously. It might even be possible to change the ssn.

Sending you moral support. This sucks. I’m sorry.

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