This is to protect you, just in case the same mistake is made twice. freeze your credit and leave it that way until your ready to apply for a new card.Since you've established that you don't want to report your mother for Identity fraud, there are a few things you need to do. This is not the same as what happened here, opening a credit card account can only be done by a person over 18 because it is a legal contract, and anyone doing it with someone else's information, even their child, is committing the federal crime of identity theft.Īlright, so you've established that there is now a VS credit card in your name. Obviously this can be done for persons over 18 too, but you require their consent as it also requires their social. This is the best way to teach your child about credit before putting them out there on their own. I know you said it wasn't done with malicious intent, but she needs to understand it's still a federal crime, that can lead to mandatory jail time.Įven a misdemeanor charge is up to 1 in jail, where a felony charge for aggravated identity theft is 2-5 years.įor anyone interested, parents can add their minor children, even as young as I believe 15, as an authorized user to their own account. Regardless what she thought she was doing, it's illegal for her to do it with your social security number. You'll have to pay off any balance your mom may have incurred on it, and then deal with her to get repaid for it. If you choose not to close the account, I would almost immediately report the card lost so you can get a replacement with a new number so your mom doesn't have access to it, and make sure it isn't linked to your VS account if you're going to continue to allow her to use it (I wouldn't if I were you). You can cancel it immediately by contacting the issuing bank (likely Comenity or Synchrony), or you can keep it open and use it or not use it at your discretion. If you don't want to report it as fraudulent, then you will have to accept the effects it has on your credit score (likely minimal for just opening the account). It's likely that if a card was opened, her purchase was automatically charged to the new account, and you are liable for that charge (and any other charges on the account) unless you dispute it as fraudulent. If there is, then she fraudulently applied for a credit card in your name. If she legitimately thought she was applying for a card for herself, she would have supplied her own SSN, not yours.ĭoes that mean I DONT have it and it will be mailed to me where I can then throw it in the trash?Ĭheck your credit report to see if there's a hard pull and new account in your name. She would have had to give them that information. Like it was one of those "would you like to sign up for blah blah store card" she said yes and it went through. It was just a big ball of poor judgment and ignorance. Looks like it was a brand new cashier who didn't even make it through the day and doesnt work there any more. Talked with the store manager and they're gonna have a staff meeting. No it wasnt okay for her to do that and yes I'll be talking to her about it.Īs for all the credit advice I've seen here I'm going to go through it all when I get home tonight and definitely take steps to secure myself better. She thought she was saving me $25 and then I could cancel the card easy peasy. I'm at work and dont have the time to get back to everyone.Įdit2- Yes she used my SSN to apply for the credit card, but it wasn't malicious. So I got approved.ĮDIT: to all of you replying I appreciate it. So she went "yeah sure I'll never get cleared for it because my credit sucks" forgetting it was all in my name and well. I've never even had a second credit card just the one from my bank.Ĭan I just leave it there unused? I dont even know how to pay the damn thing off.īefore anyone goes off about the legality of what she did the Victoria's secret account WAS in my name but she uses it because. No promotion of illegal, fraudulent, or nefarious activities No self-promotional content with prior mod approval. No referrals in posts, comments, or private messages. PIN, Signature).Ĭapital One Upgrade Link - Check PC eligibility for your existing card List of credit card company phone numbersĬredit Card Tuneup or CreditIntro to help you find the right cardĮMV CVM Database - Find a card's Cardholder Verification Method list (e.g. Template for Card Recommendation Requests Suggestions, Ideas, and Feedback - Post your suggestions hereĬreditKarma - Uses TransUnion and EquifaxĬreditSesame - May use Transunion or Experian depending on service Official User Flairs Thread - Learn how to customize your user flair
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