Nibbets
152867
3448
78
I haven't done the best to maintain my credit but it's been slowly slipping into oblivion.
Recently found out I had a CC... and that the payments have been made on time each month
hernnandez
BS
secretoaster
Find out who it is then learn how to become responsible.
SailorVSays
Yes, report that shit to all 3 credit bureaus dude. Better yet, put a security freeze on your credit so no one can check your credit.
Testaccount12301
I have experian. Monitors credit for free
jonh95o
Thanks mom and dad
larryrathbun
Request a duplicate card. Use it sparingly. See if thief notices.
GreaterDog
My friend shares the same name as a sex offender in Indiana who's been using his email to apply for jobs.
gajillion
I did this in my twenties once. Bought my first computer on a CC accidentally mailed to me. Made payments until I got busted very kindly.
Samydom
How did you find out it was stolen if you don't mind me asking?
YoursTrulee
It's probably your parents trying to help your credit score.
jeebzus
Not to incriminate myself but people I know used to do this to do illegal activities not in there name but make the payments to not get cot*
jeebzus
Caught*. They'd buy a ton of supplies to make their drugs to sell. They also have more info on you if it's the same they did.
Baughr
If someone stole my identity they couldn't even get a stick of gum on credit.
SisterFister69Hitler
Same. Hence why I’m not too worried.
NickRivieraMD
What if it's your mom tho.
Buttersismycatesname6
Someone used my buddy's identity and has been paying his child support and brought it up to date he doesn't work so he's not reporting it
jackmerlot
That's like an Ultimate game of Three Card Monte right there tell u whut
gonnaneedadoctor
Funny! Once had a neighbor that found a car parked in his drive. Thinking its his daughters, completely overhauled. Stolen car, owner happy
peeeest
Report it!
youmayalsolike
Would bother me even more..
nonamejanie
GG thief builds your credit lol
hollybadass
You could just be a user on someone's account.
Laylah77
I pity the fool who steals my identity
EntranceJew
How'd you find out?
MeatyNoodle
We're literally dealing with the same issue.
Nibbets
Damn, that's crazy. Are you me?
MeatyNoodle
Lol no, are you my boyfriend? Cause it was his, and I'm fairly sure you're a dude.
bunnyrut
my mom's credit was stolen. she reported it and they found out it was illegal immigrants using her name and asked if she wanted to press -
bunnyrut
- charges. she said no.
heebiejeepie
Your guardian angel is boosting your credit score.
Reilynn
Credit bureaus get people mixed up all the time, especially if you have a common name, but it can happen even if you don't. Pull all 3.
Reilynn
From www.annualcreditreport.com Let them know what isn't yours.
SnookerSylph
1/? Fun story time. A couple months ago i was moving money around a lot to purchase a bike. After i withdrew everything i had $700 left
SnookerSylph
2/? In an account i shouldnt have. I thought well maybe i messed up and just moved too much. 2 months go by and ive spent that $ on bills
SnookerSylph
3/3 turns out, they took $700 from some guy in my city with the same name. Took it back from me without even contacting me...
TooMuchWorkNotNuffFun
You sure it’s not your parents helping your rating?
Nibbets
99%, they pay everything in cash
EGOT
Eh, I had friends from the inner city whose parents HAD to open things like phone lines in the kids names. You should ask.
PutThePRNDLinD
you should get the company to issue you a new card for it...maybe they will keep making the payments on your charges.
Nibbets
Holy fuck I didn't think about that!
LivingAsDad
@op current baker here. DO NOT DO THIS.
LivingAsDad
Banker! Damn phone. Anyway, don’t do this @op !
AngryWayneGretzki
^ Thank you. Holy tap dancing Jesus Christ on a cracker don't do that!
Nibbets
But won't it deactivate the original one?
chefsoda
Yes, and implicate you in criminal fraud. Report it now, and be aggressive to get the debt discharged or it will bite you hard.
PutThePRNDLinD
Yeah, there are definitely details...maybe you could just get the current number and use it online...
talrnu
They're probably making payments to go unnoticed. Once they realize you're in on it they'll go on a spree and leave you with the bill
lethalnoodle
Former banker here. Report at once. Banks will not help you if they suspect you being fishy
stormegedendarklordofall
@Op
Nibbets
Yeah I see from all you people the best course of action would be to take care of this
SailorVSays
Yes, contact all 3 credit bureaus and possibly ask about putting a security freeze on your credit. That's the best way to protect yourself.
Regibazookista
KennyBlankenshipandVicRomano
Whaddyou mean, "you people"?
stonemovies
report it. too much risk, not enough reward. Also, it might not be theft, they could have just processed applications wrong.
kepler20c
Or it could be a family member.
HandsomeJackBlack
How could that happen by accident? The name and DOB have to match the SSN
EpilatorAlligatorBothReduceGrowth
The system input may depressingly still be manual.
arcenlapin
Not necessarily, worked credit tech support and back up suspicious email/phishing/security.
ScaredScorpion
This is a pretty interesting article on using SSNs as an id: https://www.computerworld.com/article/2552992/it-management/not-so-unique.html
hellifiknowwhatsgoingon
my father has a SS number one off of a man his age, with their first and middle names switched and the guy is wanted for murder. so every 1/
hellifiknowwhatsgoingon
Time he goes in to get a new drivers license, that guy pops up. 2/2
SociallyAwkwardCanadianMoose
I know someone who shares almost identical data points with a child molester. Has to get finger printed all the time
AdmJota
Poorly-written software? One weird bug in the program, and it slips from record #24,508 to record #24,509 unintentionally.