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Debt from when I was 13 and 16 years old

Date: Fri, 03/09/2012 - 08:51

Submitted by bxchick1230
on Fri, 03/09/2012 - 08:51

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Total Replies: 5


So it seems that when I was 13, my mom added me to her account so that I could have a credit card for emergencies. Only she never gave it to me as I never had the need for it. She had a breakdown and went back to our homecountry and I stood here with my grandmother. The credit card ended up being defaulted and she owes about $6000. The issue is that it shows on my report as my debt as well, even though this account was defaulted on before I was 18.
The other account is an account that I have no idea about. Its a capital one card that was approved when I was 16, but the birthday on their records show 1980 instead of 1985. the balance on that card is about $800. Am I responsible for both of these debt. It means that they've been damaging my credit since I was 13.

What do I do about it?


You can demand your name be removed as he authorized user....you have no legal responsiblity for paying the debt.

As for the second account, that would be identity theft. File a police report and submit is with copy of your birth cert showing you where a minor when the account was opened.


lrhall41

Submitted by SOAPLADY on Fri, 03/09/2012 - 09:34

( Posts: 17315 | Credits: )


Can you pay the $800? That may activate the card and the rest of the (credit) balance. Otherwise they can't make you pay if someone charged up the card and didn't make the payments. I don't know how old you are now but they probably don't even have the records to validate it (like statement and receipts). If you are not interested in having the credit card, just let them know that.


lrhall41

Submitted by weneeke on Tue, 04/03/2012 - 19:43

( Posts: 6 | Credits: )