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Been overseas 7 years, pulled credit reports and...

Submitted by on Thu, 01/05/2006 - 14:43
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I went overseas about 7 years ago. I met a wonderful man and got married. While in Australia, we both enjoyed a good life. We worked, paid our bills, had excellant credit, and came close to buying a house. Then my mother got very ill and we decided to move to the States. I am currently in the States while my husband is still in Australia finalizing things.

Now, I decided to pull my credit reports to see what shape I was in. Prior to leaving, I had a really nasty relationship.

I came up with a whole lot of mess. It appears that "I" took out a mortgage 2001. I also saw that I had extremely good credit with a finance company and have been making good payments up to july 2005. Now, I got further down and saw several collection companies have asked for my credit report due to the reasons of collection starting in October 2005.

Well, no question about it, someone is using my credit. I highly suspect it is the ex-boyfriend. I am not really sure what to do about all of this because it's not like they used my credit for highly illegals things, but used it to acquire loans. It also appears that whoever is using my credit is starting to default on payments. It's just wrong someone else is using my credit.

Can anyone recommend how I go about starting to clear this stuff up? Do I need to file a police report? Do I call the companies that have my "loans" and tell them it's not mine? I really appreciate any advice that can be given. Thanks.


Zephyrene,

Welcome to forums.

Certain steps of action are there set for the victims of ID Theft. FTC states that as soon as you feel that your identity might be stolen, place a fraud alert on your credit report, file a complaint with local police, inform your creditors and your bank and so on. Have a look-

http://forums.debtcc.com/forums/lost-wallet.html

But yours is a different story. You did not get the chance at all to take these precautions. IMHO, you should contact local police and credit bureaus immediately. Also go to FTC website to get some legal help.

Contact the creditors and explain the situation. It might be difficult to convince them that you are not responsible for these debts. Show the copy of police report to them. Don't forget to carry all the documents that prove you left for abroad 7 years back. I think your marriage registration certificate, passport and visa will help you at this situation. Contacting a lawyer would be of great help.


Submitted by 4u.bryan on Thu, 01/05/2006 - 16:46

4u.bryan

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Hi,

I am sorry to hear about this negative turn of events. After you decided to return to the states, you are confronted with a massive fraud be perpetrated on your credit. You definitely should take action even though some of the activity occurred some years back.

One thing that you might want to do is to contact some of the creditors to see who was actually paying the bills. Find out what address the company was sending the bills to. This might give you some insight into who is the con artist. After you discover that, you should report them to the police.

A police report is definitely a good idea by the way. This will be your evidence that you can present to the credit companies when they try to force you to pay the bills. Some of them may not believe that a fraud occurred so a police report provides them some proof that this fraud actually occurred.

Also, put a fraud alert on your credit file with all credit bureaus. From what I remember there is 2 or 3. The scammer may no be aware that you have returned and they might still be in the process of trying to use your credit for other purposes. So this will put a freeze on that activity.


Submitted by benjaminz6 on Fri, 01/06/2006 - 22:22

benjaminz6

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I got the police report done, and got the forms from the FTC to hand into the credit bureaus. I ordered a police report (still awaiting that) and will be going down tomorrow to the MVD to check my driving record. I'm hoping, hoping that things will work around to pressing charges on someone so I can get my SSN changed.

I have been thinking about going to some of these loan places and asking to see any paperwork associated with them.

I just can't believe how bad things have gotten here in the States since I've been gone. Well, here's to hoping this isn't too painful. I'm hoping I'm not a criminal or anything at this point too.

Thanks again for the advice.


Submitted by on Mon, 01/09/2006 - 17:42

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Zephyrene, we all believe that you have not done anything wrong.

See the dates of fraudulent activities in your credit report. Match it with those dates when you were in Australia during that time. Everything will be proven legally and you will be declared innocent. Don't worry too much. Everything will be just fine.


Submitted by david on Mon, 01/09/2006 - 17:54

david

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