Credit cards etc in kids names

[hagatha]

Soc,

Daughters young friend just turned 19. He is with his gf and they have a baby. When he tried to get an apt for them he was rejected due to un-paid bills on his credit report. The bills date back to when he was a minor.

He knows his mother is the one that opened the accounts and used his info for credit cards and utilities and then didn't pay.

Other than a noterized letter to the credit reporting agencies along with a copy of his BC, is there anything else he can do to get all the write-offs off his credit report?

BTW he doesn't want his mother in trouble, mostly because it will affect his siblings still living with her. He moved in with his dad when he was about 13. (siblings are not dad's kids)

Thanks

The Witch

 Remember . . . KARMA is a Wonderful Thing!!!!!!

[socrateaser]

>Other than a noterized letter to the credit reporting agencies
>along with a copy of his BC, is there anything else he can do
>to get all the write-offs off his credit report?
>
>BTW he doesn't want his mother in trouble, mostly because it
>will affect his siblings still living with her. He moved in
>with his dad when he was about 13. (siblings are not dad's
>kids)

If the mother used the child's ss# to apply for credit and then didn't pay, that would be a misrepresentation of a material fact intended to induce justifiable, detrimental reliance, and causing acutual damage.

In short -- a criminal fraud. And, it's identity theft. But, if as you say, the child doesn't want to risk getting his mother in trouble, then he can't report the fraud, and unless he does so, both the vendors and the credit reporting agencies will continue to treat the report entries and the underlying debts as good -- because they are good.

What I mean by this, is that the son's failure to report the fraud is actually aiding and abetting in it, from a criminal standpoint, and ratifying the act of an agent from a civil standpoint.

In short -- the son is as culpable as his mother. Tell the kid that it's time to grow up.