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My parents signed away their legal rights for me when I was 17 and I went to live with other family till I turned 18 (Im 19 now). I am going in the military so I had to find out my credit score and such. I found out that my parents took out two credit cards in my name (or I am the cosigner) and that "I" owe about 5grand. When I finally spoke to them, I mentioned this and they denied it. I had the credit card number and everything and they read of the numbers precisely. They then said they would "take care of it" and I havent heard back from them since. It looks like for a couple of months they were paying a small amount off of one credit card but that they have stopped since then. Im not exactly sure what to do from here. Even though it seems like a small amount, I cant have their debt affecting my credit when I need to get a loan and such after Im out of basic. Any suggestions of what I should do and the steps I should take? Im not worried about doing anything drastic (because I will) I just dont know how to go about doing anything. And I cant afford a lawyer (obviously). Note One credit card was taken out when I was 17, and one when I was 18. Any suggestions would be appreciated!
DO NOT LEAVE WITHOUT FIRST HANDLING THIS!!!! Call and write to each of the 3 credit companies, Transunion, Experian and Equifax. Go to their official sites only. Explain to each company and tell them what's happening, the quicker you do this the better. Ask them if they can freeze your account. Call the companies that issued the cards (example Bank of America, Chase, etc) and get the cards freezed. Call local law enforcement and ask them if you can file a report for identity theft. Even if the report doesn't do anything file it for your personal evidence. Try and find a lawyer. If you can't afford one find one that offers free advice. Ask the lawyer if you can take them to small claims court. Small claims court has a very cheap filing fee and you don't need a lawyer just evidence (police report + your credit report + proof you where living somewhere else). Please do this stuff ASAP. Don't wait, or leave. You want to have a good and clean record so that when you come out of the service people will hire you.
They will not take care of this. Are you willing to criminally prosecute them for ohio theft? This will completely remove the item(s) from your credit reports. They would get a criminal record, along with fines and possible jail time. First you would get your 3 reports at (not just the score, and not just one report). Annual Credit Report.com need for the score. It costs money and it's useless for what you need. Print out the 3 reports. Ask here for further help. You will be first contacting the card company, then if they do not help, you will take the reports to the police station and file a police report. More than 98% of ohio theft is done by parents or close family in the household. I am convinced the real number is much higher than this.
Whatever you do, your parents will have to face the consequences. The first thing to do is bring up your credit report online and file a dispute for the credit card they opened when you were 17. That is clearly fraud. Then, you might have to file a police report for the card they opened when you were 18, and that will totally ruin your relationship. It's not going to be nice, no matter what you do.
Report this as credit fraud to each of the three bureaus. Contact your local police. They are your parents, but they stole from you and didn't care about how it affected you. Now they need to face the consequences of real life. Don't feel bad, they did it to themselves. If you don't take these actions then your credit will be ruined for 7 years.
You have no option but to see the DA about this because you need to have clean credit to get anywhere in the military but also you do not want their debts screwing you. When the case is resolved go to SS and get a new SSN as is your legal right with ohio theft
Your only option is to file a police report that names your parents as the people who stole your identity. Only with that in hand can you challenge the accounts in question since you weren't of legal age to sign for them and more importantly that you didnt sign for them to begin with.