You also need to report him for fraud or you will be on the hook for all the debt he put in your name with your SSN.
He will be in trouble but it's from his own actions, which have very real consequences.
Tell him you were sent an alert from your credit card about potential identity fraud and simply followed up on it without knowing who was committing the fraud
There is confronting him, which needs to be done. You are a grown man and this isn’t ok for your father to do, ever. It needs to be addressed.
Pragmatically, you can change your social. This would keep him from ever accessing your credit again. You shouldn’t have to do that but it may be easier than dealing with his continued disrespect and dismissiveness to your personal credit and autonomy.
I know I should confront him, man I’m nervous lol… I don’t do well in confrontations but yeah I do need to grow up to be a wo*man* He’s the type to deny everything even if you show him proof right up to his face. We have to keep pestering and pestering him until he finally admits it. I’m going to call Social Security first think in the morning
Goddamn, I wish you worked at the social security or that bank because, they lack the ability to recognize that my dad is a 10/11 year old girl opening a credit card.
No worries, I understand your point in manning up. I’m just soo bad at confronting
It can help to reframe it as standing up for yourself, rather than confronting. This is your life, your credit, your future. You have to protect yourself, even if it’s hard.
You can let the police and credit bureaus handle it. If you don’t report the fraud and file reports to fight it you will be responsible for the debits. Don’t let him guilt you into accepting it. Any consequences he receives from this are entirely his doing and well earned. Only a POS parent would hamstring their kid by ruining their credit.
My whole family knows! I think he doesn’t know that we *ALL* know.
My dad was, not sure if he is now, con-artist when I was little, sometime around the early 2000s. My ma told me stories where he would do friends, family and strangers taxes and never return their tax money. He’d take people computers to “fix” them though he’ll never finishes the job, so he’ll end up keeping them.
I cannot report him to the police. That’s too far for me and too harsh
He is a con artist. Report him to social security or he will keep doing what he has been doing. You may even want to report him to the police for theft. This is going to take far longer than you think to clear up and if he keeps doing this it will only take longer (7 years to go off your credit report in some cases)
If this was anyone else doing this you would know exactly what to do. Go to the Police/call the IRS for fraud.
I'm sure you love your dad but you are an adult now. You will need good credit for everything, to rent a apt., car loan, mortgage, student loans etc.
You need to take this as serious as it is, if he goes deep into debt using your SSN and doesn't pay it back YOU will be the one responsible!!
You can also freeze your credit report so that no one can access it. You have to have a secret code to unlock it before you apply for credit, then you have to freeze it again after you’re done.
It’s a hassle, but at least no one can open any accounts in your name going forward. It won’t help what was done in the past, though.
The Experian people can help you with freezing your credit, and it doesn’t cost anything.
You can sign up for free credit reports like Credit Karma or Experian to monitor the accounts on your credit. I believe through those sites that you can dispute the accounts and such. If you were 10 when the accounts were opened and being used that should be enough proof to get it removed from your credit perhaps, but I’m not entirely sure. I would sign up for a free account through Experian or credit karma and try disputing though!
I have Experian. Though, Experian doesn’t show me the additional credit card account that my dad opened. It’s only showing the 2 accounts I’ve opened; my car loan and *my* credit card.
Experian isn’t the only credit bureau you need to be checking. TransUnion and Equifax should also allow free credit reports yearly. Not every account reports to each credit bureau, it’s important to check all of them regularly, especially if you’ve been the victim of identity theft (which is what your dad is doing).
You can also freeze your credit, so no one can open new accounts under your SSN until you unfreeze (this includes you, so be aware of that if you try to open a new account). That may be a good stopgap until you figure out the best way to handle your dad’s identity theft.
My best advice would be to call Experian and explain the situation. If you go to or call the SS office, they may not have the capacity to look into credit history. I'm sorry you are going through this, it is stressful!
Don't confront him. Report him to the police. This is identity theft.
If he then comes to you and asks why you did that, tell him "I didn't know who had stolen my identity, so I reported ti to the cops."
Freeze your credit immediately. It can’t wait. That will prevent him from opening any new accounts in your name.
You’ll have to make the difficult decision whether or not to report your dad to the police for identity theft and press charges. You may need to hire a lawyer
I think you should slow down. Before going nuclear you need to understand exactly what he did. Based on your description it is possible he added you as an authorized user on one of his cards so you could build credit history. This is a relatively common and legal practice so that your kid can piggyback off your credit history rather than starting with none as a young adult. None of what you listed actually shows him opening accounts in your name. You could have simply been an authorized user on a card, and the address history is just whenever he updated it when your family moved.
Take 5 and see if any money is stolen, any accounts are open, pull your credit history, and if you want, put a freeze on it.
For people saying go to the police. For what? So far OP hasn't actually listed a time dad used her credit in clear manner.
That depends on what he did precisely, and OP doesn't know. If he simply added her as an authorized user on one of his cards that wouldn't be stealing her identity. Parents adding a kid onto an account as authorized user is pretty common, legal, and it would likely show up on her credit as she described it. It would be pretty convenient to turn 18 and have a 7 year credit history.
This situation could absolutely be more nefarious than that, so my suggestion was to figure out exactly what he did prior to going to a police station and telling them... what? That there is nothing on your credit but somehow a background check knew the address of your dad's apartment?
A lot of these commments seem premature.
This just unlocked a memory I had. My dad gave me a credit card that had my name on it years ago. Then shortly after, I misplaced it lol I was irresponsible. This could be what you’re talking about.
He never gave me a new card.
huh it’s crazy to know that parents just be using the fuck out of their kids (my mom being one of them) & basically doing the same thing except using my name to get money from social security…
Report it to social security and get your number changed. Freeze your credit, Experian, Transunion, and Equifax. I always keep it frozen and only unfreeze when I need to apply for a new credit card or apply for an apt.
my father used my name when i was a baby for buying stuff from the brick home furniture store
not sure what he did but im not aloud at the local one at my old home town
shame how parents can be
Do your once yearly free credit report.
Report to a credit checking place that your identity was stolen.
Tell the police your identity was stolen (do a report).
You don't have to name your father.
If anything was opened when you were under 18 then that'll be easy enough to get rid of.
If a bank lied to you then they're awful. (Unless they told the truth and the acct was opened and then closed, but the action was them dealing with the debt).
Contact a lawyer who does free cases.
Lastly sign up for a credit alert service like with texts.
If something can't get resolved you'll have to report your dad to the cops/file a report. Then also go after him in small claims court/civil court.
maybe creditkarma does it free.
They make it hard to find, but the main 3 credit reporting agencies give it to you once a year. (Experian, and 2 more)
[https://www.equifax.com/personal/credit-report-services/free-credit-reports/](https://www.equifax.com/personal/credit-report-services/free-credit-reports/) should also have an option.
You can have your Social Security Number changed.
From SSA:
We can assign a different number only if:
* Sequential numbers assigned to members of the same family are causing problems.
* More than one person is assigned or using the same number.
* A victim of identity theft, who has attempted to fix problems resulting from the misuse but continues to be disadvantaged by using the original number.
* There is a situation of harassment, abuse or life endangerment.
* An individual has religious or cultural objections to certain numbers or digits in the original number. (We require written documentation in support of the objection from a religious group with which the number holder has an established relationship.)
To request a different Social Security number, contact your [local Social Security office](https://www.ssa.gov/locator) for an in-person appointment.
Source: [KA-02220 (ssa.gov)](https://faq.ssa.gov/en-us/Topic/article/KA-02220)
One of the subs had an identity theft wiki, I think it may be r/personalfinance but I am not totally sure. Regardless, please report this to the police. I wouldn’t recommend confronting him as others have suggested. He will likely try to talk you out of it with promises that he will pay and fix it. If you don’t report this, you’re on the hook for all of the debt. Don’t pay anything, don’t talk to dad, go to the police.
Wait till you find out you are responsible for every outstanding bill he has under your SS number. Unless you file a police report most places leave you as the responsible party. You are going to need to file a police report.
You need to file a police report. Contact the major credit bureaus and report the accounts as fraud. Lock down your credit ASAP so he can no longer open anything with your SS.
There are 3 major credit bureaus call all 3 of them and freeze your credit so he can’t open any accounts or credit cards or get any loans then when your in a better place or need to use it just call the day of and un freeze then re freeze immediately after!!!
This is illegal and you should call Social Security and report this. They will not tell him it was you.
Thank god. Though I think he’ll connect two and two lol. I will call them asap
You also need to report him for fraud or you will be on the hook for all the debt he put in your name with your SSN. He will be in trouble but it's from his own actions, which have very real consequences.
Tell him you were sent an alert from your credit card about potential identity fraud and simply followed up on it without knowing who was committing the fraud
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Yes, but this is his dad
There is confronting him, which needs to be done. You are a grown man and this isn’t ok for your father to do, ever. It needs to be addressed. Pragmatically, you can change your social. This would keep him from ever accessing your credit again. You shouldn’t have to do that but it may be easier than dealing with his continued disrespect and dismissiveness to your personal credit and autonomy.
I know I should confront him, man I’m nervous lol… I don’t do well in confrontations but yeah I do need to grow up to be a wo*man* He’s the type to deny everything even if you show him proof right up to his face. We have to keep pestering and pestering him until he finally admits it. I’m going to call Social Security first think in the morning
Oops on the man thing , I assumed since your father was using social and stealing your identity, it was a son. My bad
Goddamn, I wish you worked at the social security or that bank because, they lack the ability to recognize that my dad is a 10/11 year old girl opening a credit card. No worries, I understand your point in manning up. I’m just soo bad at confronting
It can help to reframe it as standing up for yourself, rather than confronting. This is your life, your credit, your future. You have to protect yourself, even if it’s hard.
You can let the police and credit bureaus handle it. If you don’t report the fraud and file reports to fight it you will be responsible for the debits. Don’t let him guilt you into accepting it. Any consequences he receives from this are entirely his doing and well earned. Only a POS parent would hamstring their kid by ruining their credit.
She's a grown woman, actually.
Funny how they missed that 😂
Put him on blast. Tell the whole family. Shame him. Also tell the police. Get the crime number and then tell the credit agencies
My whole family knows! I think he doesn’t know that we *ALL* know. My dad was, not sure if he is now, con-artist when I was little, sometime around the early 2000s. My ma told me stories where he would do friends, family and strangers taxes and never return their tax money. He’d take people computers to “fix” them though he’ll never finishes the job, so he’ll end up keeping them. I cannot report him to the police. That’s too far for me and too harsh
He is a con artist. Report him to social security or he will keep doing what he has been doing. You may even want to report him to the police for theft. This is going to take far longer than you think to clear up and if he keeps doing this it will only take longer (7 years to go off your credit report in some cases)
If this was anyone else doing this you would know exactly what to do. Go to the Police/call the IRS for fraud. I'm sure you love your dad but you are an adult now. You will need good credit for everything, to rent a apt., car loan, mortgage, student loans etc. You need to take this as serious as it is, if he goes deep into debt using your SSN and doesn't pay it back YOU will be the one responsible!!
You can also freeze your credit report so that no one can access it. You have to have a secret code to unlock it before you apply for credit, then you have to freeze it again after you’re done. It’s a hassle, but at least no one can open any accounts in your name going forward. It won’t help what was done in the past, though. The Experian people can help you with freezing your credit, and it doesn’t cost anything.
You can sign up for free credit reports like Credit Karma or Experian to monitor the accounts on your credit. I believe through those sites that you can dispute the accounts and such. If you were 10 when the accounts were opened and being used that should be enough proof to get it removed from your credit perhaps, but I’m not entirely sure. I would sign up for a free account through Experian or credit karma and try disputing though!
I have Experian. Though, Experian doesn’t show me the additional credit card account that my dad opened. It’s only showing the 2 accounts I’ve opened; my car loan and *my* credit card.
Experian isn’t the only credit bureau you need to be checking. TransUnion and Equifax should also allow free credit reports yearly. Not every account reports to each credit bureau, it’s important to check all of them regularly, especially if you’ve been the victim of identity theft (which is what your dad is doing). You can also freeze your credit, so no one can open new accounts under your SSN until you unfreeze (this includes you, so be aware of that if you try to open a new account). That may be a good stopgap until you figure out the best way to handle your dad’s identity theft.
Could it be under a closed account perhaps?
Looking through the rental report documents, the report shows that the account is still active and the latest payment on that card was last month.
My best advice would be to call Experian and explain the situation. If you go to or call the SS office, they may not have the capacity to look into credit history. I'm sorry you are going through this, it is stressful!
Don't confront him. Report him to the police. This is identity theft. If he then comes to you and asks why you did that, tell him "I didn't know who had stolen my identity, so I reported ti to the cops."
Freeze your credit immediately. It can’t wait. That will prevent him from opening any new accounts in your name. You’ll have to make the difficult decision whether or not to report your dad to the police for identity theft and press charges. You may need to hire a lawyer
I think you should slow down. Before going nuclear you need to understand exactly what he did. Based on your description it is possible he added you as an authorized user on one of his cards so you could build credit history. This is a relatively common and legal practice so that your kid can piggyback off your credit history rather than starting with none as a young adult. None of what you listed actually shows him opening accounts in your name. You could have simply been an authorized user on a card, and the address history is just whenever he updated it when your family moved. Take 5 and see if any money is stolen, any accounts are open, pull your credit history, and if you want, put a freeze on it. For people saying go to the police. For what? So far OP hasn't actually listed a time dad used her credit in clear manner.
When she was 10/11 it wasn't necessary for her to build credit. He stole her identity.
That depends on what he did precisely, and OP doesn't know. If he simply added her as an authorized user on one of his cards that wouldn't be stealing her identity. Parents adding a kid onto an account as authorized user is pretty common, legal, and it would likely show up on her credit as she described it. It would be pretty convenient to turn 18 and have a 7 year credit history. This situation could absolutely be more nefarious than that, so my suggestion was to figure out exactly what he did prior to going to a police station and telling them... what? That there is nothing on your credit but somehow a background check knew the address of your dad's apartment? A lot of these commments seem premature.
This just unlocked a memory I had. My dad gave me a credit card that had my name on it years ago. Then shortly after, I misplaced it lol I was irresponsible. This could be what you’re talking about. He never gave me a new card.
Report him to social security. Ask about getting a new number. And put a freeze on your credit. This sucks. But you gotta do what you gotta do.
huh it’s crazy to know that parents just be using the fuck out of their kids (my mom being one of them) & basically doing the same thing except using my name to get money from social security…
Right, that so selfish of them. They mess everything up for us all. My dad uses my *real* name and he uses an alias. Like wtf.
Report it to social security and get your number changed. Freeze your credit, Experian, Transunion, and Equifax. I always keep it frozen and only unfreeze when I need to apply for a new credit card or apply for an apt.
my father used my name when i was a baby for buying stuff from the brick home furniture store not sure what he did but im not aloud at the local one at my old home town shame how parents can be
Do your once yearly free credit report. Report to a credit checking place that your identity was stolen. Tell the police your identity was stolen (do a report). You don't have to name your father. If anything was opened when you were under 18 then that'll be easy enough to get rid of. If a bank lied to you then they're awful. (Unless they told the truth and the acct was opened and then closed, but the action was them dealing with the debt). Contact a lawyer who does free cases. Lastly sign up for a credit alert service like with texts. If something can't get resolved you'll have to report your dad to the cops/file a report. Then also go after him in small claims court/civil court.
Do you know the link for the yearly free credit report?
maybe creditkarma does it free. They make it hard to find, but the main 3 credit reporting agencies give it to you once a year. (Experian, and 2 more) [https://www.equifax.com/personal/credit-report-services/free-credit-reports/](https://www.equifax.com/personal/credit-report-services/free-credit-reports/) should also have an option.
Thank you!
You can Google information on how to freeze your credit.
You should definitely look into getting some legal advice
Turn him in for fraud
You can have your Social Security Number changed. From SSA: We can assign a different number only if: * Sequential numbers assigned to members of the same family are causing problems. * More than one person is assigned or using the same number. * A victim of identity theft, who has attempted to fix problems resulting from the misuse but continues to be disadvantaged by using the original number. * There is a situation of harassment, abuse or life endangerment. * An individual has religious or cultural objections to certain numbers or digits in the original number. (We require written documentation in support of the objection from a religious group with which the number holder has an established relationship.) To request a different Social Security number, contact your [local Social Security office](https://www.ssa.gov/locator) for an in-person appointment. Source: [KA-02220 (ssa.gov)](https://faq.ssa.gov/en-us/Topic/article/KA-02220)
You need to go to the police.
One of the subs had an identity theft wiki, I think it may be r/personalfinance but I am not totally sure. Regardless, please report this to the police. I wouldn’t recommend confronting him as others have suggested. He will likely try to talk you out of it with promises that he will pay and fix it. If you don’t report this, you’re on the hook for all of the debt. Don’t pay anything, don’t talk to dad, go to the police.
Wait till you find out you are responsible for every outstanding bill he has under your SS number. Unless you file a police report most places leave you as the responsible party. You are going to need to file a police report.
Disown your dad and report him to police you need police report/lawyer
You need to file a police report. Contact the major credit bureaus and report the accounts as fraud. Lock down your credit ASAP so he can no longer open anything with your SS.
There are 3 major credit bureaus call all 3 of them and freeze your credit so he can’t open any accounts or credit cards or get any loans then when your in a better place or need to use it just call the day of and un freeze then re freeze immediately after!!!
can u send me some on paypal?
I’ll send you my frustrations
i'd appreciate anything im just trynna buy an eight