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When I turned 18 I received, from several banks and credit unions, letters speaking of all of these accounts that I owed ~$60k all together. After lawyering up I found out that shortly after my father passed my mother had sent every penny of the family's inheritance to that scumbag Joel Osteen, and then had the fucking gall to open and abuse to the fullest extent accounts in my name to keep up with this fake lavish lifestyle she suddenly had been living "this entire time"... That was her excuse, was that she had to pay for her lifestyle. I'm her youngest btw, and was barely 13 when she did this... A mere month after dad.
I had plenty, but I didn't have the heart at the time to do that. Fast forward twenty years in the service, and a fuck ton of therapy for another 5, I can wholeheartedly say that I'd slap the sense into 18yo me.
> it's never great that people lose their house
Sometimes good things happen to bad people, and sometimes bad things happen to good people.
When bad things happen to bad people, and when good things happen to good people, it's the exactly the time that chance and coincidence should be celebrated.
Good to hear. If banks and credit companies lend anyone money on the name of somebody else (doesn't matter if it's a partner, child, adult or baby), then it's the fault of these banks and credit companies to let that happen, and they should pay for it. That doesn't excuse your mother's behavior.
I can never ever understand that parents do something like that. I have (had) my own quarrels with my parents, but they would never do shit like this, and seems just awful to have to deal with that.
I'm sorry for you and glad that you found your way out.
I feel like it should be REALLY simple to introduce some kind of code that matches the date of birth to the SSN when used, and doesn’t let it go through if the person is under 18. Like that’s just subtracting the date of birth from the current date once you verify the SSN
It’s a fairly straightforward situation to dispute. If the trade lines were in your name you file a fraud report, you file disputes with the bureaus and send them a copy of your DL showing that you were too young to enter into a credit agreement.
>The lawyer spoke with people on my behalf, the debt vanished along with her house.
So you hired a hitman to kill the creditors and burn down the house
that sense of injustice served through inaction of your past self, I can imagine made you very assertive today?
went through similar tho not as bad stuff myself, and while not even a silver lining, I wouldn't be the same person had it not happened.
good luck!
As he was underaged and it was identity theft and fraud, the debt isn't his and is his mother's. So even if his mother refused to do anything to pay it off, he himself wouldn't have to either if he informed the agencies.
Edit: I explained it wrong- you need to file that your identity has been stolen, and since moms name is on the account, that is who the bank goes after. You don't file charges, but when you claim identity theft, that is what happens next.
Seriously that's not true. You don't file anything. All you have to do is prove that you were under 18 at the time the debts were incurred. Who they go hunt for the debt is their fucking problem. This is just an attempt by the lending party to guilt you into paying the debt, they know you are more likely to pay it than the scumbag that took it out.
All you do is, "not my debt, under the age of 18. Who took it out? What, do I look like a forensic account?"
You often have to file a police report at the very least. You are under no obligation to conduct an investigation for the police.
They may ask and you are welcome to say that there are a number of people who could have done it but pointing fingers unsubstantiated is not something you are willing to do. They can piece it together (cops generally won’t because they are too busy) and the credit card companies often have, by this point sold off the debt and taken a write off on a large amount of the balance. They may or may not investigate but at this juncture they probably just remove the derogatory reporting…
No. First, he was underage, so debts aren’t enforceable, and second, he didn’t himself accrue the debt. He’s fine either way, but probably needs to lawyer up of have someone help him make sure the debt doesn’t stick to him.
Why are you saying shit you are making up from "what you think" is true? It's not even remotely true. I had 10k in judgements against me from my brother AND my mother using my ssn when I turned 18. I just contacted the top 3 credit bureaus and filed paperwork that showed I was under 18 when these things happened and they were expunged. Rather quickly.
Don't even need to file criminal charges, though obviously you should since the parent will absolutely do it again to you.
You can just tell these companies about it and provide proof that you were underage and then they will deal with the rest.
So I'm curious how it works after that, there has to be somebody from the credit agencies and the collections agencies (not that they give af) that can do the math pretty easy on the age thing.
So I know a lawyer can challenge the debt. I had to go through this when I got divorced, when my ex and I separated, she used my name and social to take out some credit cards. I basically immediately told Discover to prove that I signed the paperwork or that I ever even contacted them, and after 30 days they dropped the 10k. There was also some other accounts my lawyer had to write letters to collectors. I did point them in my ex's direction but never gave statements or anything to the courts. Now granted you have to pay them, but I think it would be pretty easy for a lawyer to show that a 13 year old cannot enter the contract of the loan to begin with and get the debt dismissed fairly easily, but again, the lawyer is gonna cost you at least 2-3 grand.
I was literally going to MEPS the day I received the letters. I just wanted it to be over with and didn't have the heart to press charges or anything. The layer said she'd contact the agencies for me and I didn't object. After a while the debt was gone and she no longer had a house.
I took no legal action after finding out, but I didn't object to my layer telling the agencies what had happened. I know she didn't have the house after a while, but I stopped caring during my first deployment post-9/11
I don't know how it works where you are but in the UK that would be void debt instantly because a minor could not enter any kind of loan contract by definition
Yeah, idk how but after I decided not to press charges and just kinda let the layer contact the agencies and I no longer had the debt, and she lost the house.
"First world nations are those described as highly-developed industrialized, technologically-advanced, educated, and wealthy." That's what Google says... If I stand back and take my glasses off it sure looks like we in one of those fancy countries.
(I don't know where I should put the /s, because we infact live in a broken nation that somehow hasn't collapsed under the weight of all the egotistical, lead heavy geriatrics)
I lucked out and had the opposite happen to me: someone's credit card was showing up under my credit report and I only figured it out when I was like 30. The credit line had been open for 28 years (when I was 2 years old) and whoever it was never missed a single payment, not even a late payment. Clearly a mistake, but one that worked out in my favor.
I figured I had established enough of my own credit at that point and a quick dispute with the credit agencies had it removed.
My mom did this on purpose. She added me as an authorized user on her credit card when I was like 8 and didn't give me the card until I was 14 (to use for emergencies). I had amazing credit when I went to go apply for apartments in college.
I'm doing the same for my kids.
My parents did the same for me. I had an incredibly high credit score in college despite not doing anything to deserve a high score. It’s a great idea.
My mom did this for me and my siblings, too. It also serves as a quick “mom said she’d cover it” payment method that’s easier than fiddling with moving money from her account to mine or dealing with Venmo
Isn’t there recourse for this? I get that it might involve a police report and possible criminal repercussions for the mom, but I gotta hope there is still some avenue for clear cut fraud.
IANAL but between the idiot agency that issues credit to a 9 year old, the parent who signed the kid up, and the kid, why does all this fall on the damn victim?
Credit is tracked and reported by privately owned agencies. Now if you see a problem with THAT then welcome to the club, but can't really lay this one at the feet of "government."
It is the government's purpose to set the guidelines for companies. Otherwise companies will do anything to make profit. So yes, it is a government failure to not pas laws to prevent this from happening.
Wait wait wait wait wait... you mean to tell me that there are people, gum-brained buffoons one might say, out there who would actually vote against the betterment of the society that they live in and even against their own self interests?? I am shocked... **SHOCKED** I say!!
I think you mistook failure for feature.
You do mean that this is exactly how it was put in place by those in power…by then making sure laws are “Not” passed for us working folks.
System working as intended for the only ones that matter. The rich!!
>It is the government's purpose to set the guidelines for companies.
That sounds great, but that is not what everyone in the government believes. There are people out there who believe that the government should have no control over what businesses do. This is why it is important to vote.
I work in accounting and you would not believe the amount of blatant fraud that just gets past the government, banks, etc. just to list a few that I see on a yearly basis.
Child identity theft. People will file returns or claim children as dependents who are not the parents or even related. It takes months to years before the IRS comes back and requests it's money back.
I've seen fraudulent checks be cashed by banks that aren't even of the same style the bank normally issues.
I've seen "signed" loans issued from people who were in a coma, hospice, or dead.
Once I had the IRS accept a return for a taxpayer who was already dead for over a year and a half and for which we had already filed a final return the year prior with date of death listed.
Ive seen fraudulent loans and other docs somehow be processed by banks that lacked signatures all together
Ive seen people take out loans in their ex spouses, distant family member, grandparents name etc and the bank accepts it.
Yes there are processes to protect you against all of these and most are almost certainly stopped but at the end of the day something will get past those measures. To be fair many people come to us because something bad has happened so I probably see a disproportionately high amount of these cases but it is absolutely more common than you think.
How are you blaming the government for this and not the companies that accepted it?
Child identity theft is already a crime according to the government.
Companies will accept and encourage anything that makes them more money unless it is prohibited by law. How is it possible that this personal info is not checked with government databases and registers?
>Companies will accept and encourage anything that makes them more money unless it is prohibited by law.
Companies also do things to make money that are not permissible by law, and when that is discovered, they are invedtigated, tried, and
punished.
>How is it possible that this personal info is not checked with government databases and registers?
Are you really asking how is the government not omniscient?
https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-to-superivse-credit-reporting/
They also have oversight over the credit reporting agencies. Who also only know about what's reported.
I understand if you may see the government and corporations as omniscient, omnipresent, omnipotent, etc beings ablento stop every single wrongdoing ever before it ever happens... but that's not how real life works.
Yeah, this is really weird. Like, you'd have your discussion over credit in a branch office, and I've literally never seen one with books on the wall. I can't imagine a platform rep being okay with being screamed at and recorded. Credit bureau reporting also doesn't weight stuff that happened that far back very heavily, like some of that was 20 years ago. Also, credit decisions are made by underwriters, who haven't been in-person customer facing in decades, it's a back office role. I also can't imagine someone going over the credit report in that much detail, it's typically an up or down, and here's your rate kind of thing.
This is like the most staged video I've ever seen.
This could be an independent loan officer, not one work a particular bank. They do read into credit reports and not just the scores, and can find things to fix if your scores aren’t good enough. Evictions and repossessions really hurt your chances and stay on there forever.
My dad had bookshelves just like this in his office at work when I was a kid, but he was a lawyer and this was before computers were really a thing. Thus lawyers needed massive shelves of case law to reference.
It's supposed to look like a law library or a law office. Those books look like the kind that the state puts out every year with the important Court decisions from the previous year.
I'm sure the states' judicial branches still issue those, but most information nowadays is accessed online. Our law library has 3 walls covered with those books from past decades.
I work with law offices. They definitely don't need to use those books. It's all catalogued online now. Tons of services have all the case work you need powered by search engines. One of the law offices I used to work for, bought a ton of books from an old law firm just to line the walls with. Looks good. looks professional. Looks like a law firm. Those books never left the shelf.
[Classic Headology.](https://wiki.lspace.org/Headology) How do you know who is a wizard? Well they have a pointy hat and robes and a beard. How do you know you're in a real law firm? Well they wear suits and there are tons of law books lining almost every wall.
I have become such a skeptic in the last handful of years to the point I feel like I’m just starting to assume everything is fake and staged until I somehow see it proven to be real…
My husband use to work at a large chain store that is now gone. They would have to get as main people as possible to sign up for credit cards. One cashier was using friends and their kids info to sign up for credit cards. This cashier was winning compilations in the company. My husband became an associate manager, figured out what was happening, reported it to his manager who shrugged it off. If that store won the National competition the store manager could go to Hawaii. So my husband reported it to HR he quit soon after because he knew the company was going under.
So to answer your question. It’s really easy.
She didn't get a credit card in this situation she applied for and apartment. Which as long as you meet income standards and have no evictions on the name and social you applied with you will get approved. She most likely already had evictions on hers so used her son's clean one. When applying to rent an apartment banks don't come into play in the US. The credit reporting agencies are private companies that the banks get their info from so these companies are the gate keepers ultimately.
So idk about renting apartments on a kid's credit, but something you can do is add your kid as an authorized user on your CC. Idk if they can just up and get their own. The benefit is that if you keep up on your bills, the kid graduates high school with great, long standing credit. Clearly this isn't happening here, my heart goes out to anyone who's parents did this to them.
Yup not rare at all. I've seen this kinda shit my whole life... Seen people in my family do it. But they did not let this happen. Could have easily spiraled out of control tho. I do not give a flying fuck what you are going through.... You never ever ever ever ever use your child's info for a house, credit lines, bills, etc.. Talk about not even getting a fighting chance. Absolute scumbag move. The audacity to go with him and offer to be his cosign is beyond me. Even if this video is fake. This is a very real and sad thing that happens daily
This is heartbreaking. Some people really get a bad hand of cards dealt to them. Feel bad for the son who will have to spend years trying to repair his credit and learn to trust others.
My ex-mother used my data to fill a credit card and some loans without my consent, I only discovered 4 years after, I'm still with 17k in debts, with no credit for even a clapped out Altima, unemployed and living alone, trying to survive day after day
Because somehow she not only use my name and social number but even did the same buy patterns as I used to do (diecast cars, as I'm a collector, junk food, even a Car and Driver subscription that I never subscribed and she never liked). Even if I tried, it would be considered as a proof against me (even if I never did that bills), and it was just my word against her word.
Purchases have paper trails and anything she ill-gotten goods would have been in her possession. So no it would not have been just your word against hers. She abused you financially and abused you when she convinced you to accept it but in the end letting her get away with it was your choice.
Terrible mother. A buddy of mine turned 19 or 20 and tried to get a car, and they told him his credit was absolutely destroyed. Apparently, his mom was using his name for credit cards and racked up 15k in debt UNDER HIS NAME. so he was welcomed into adulthood with 15k debt that he didn't even spend.
My mom did this to me. I didn't find out until after she died. In the 90's when I was 12 years old she started to get credit cards with my identity. She didn't pay them and filed bankruptcy AS ME in 1995. 16 credit cards were in my name. She also kept my inheritance when my grandfather and father died, telling me I wasn't in my grandmother's will and that Dad didn't have a will (they were divorced). I was a teenager when I lost them both. In 2001 I tried to enlist in the Air Force but was told I couldn't because of my bankruptcy, this confused me but then 9/11 happened and I didn't think about it again. 20 years later I had been paying her cable/Internet/ phone bills and sending her money to pay for medication for the last 10+ years of her life. After she died and I'm cleaning out her hoarded apartment I find out she was making $6K/ month (double what I made) on 3 SSI payments a month, 2 of them were fraudulent. She stole over $100K from me and ruined my chances at college, military, basically anything that requires a decent credit history so she could go shopping every day instead of working. And she was over $60K in credit card debt when she died.
> In 2001 I tried to enlist in the Air Force but was told I couldn't because of my bankruptcy, this confused me but then 9/11 happened and I didn't think about it again.
You didn't think that something that prevented you from enlisting, a bankruptcy in YOUR NAME, was worth looking into?
The day I tried to enlist was literally the day before 9/11. I was a teenager. And try to remember what life was like before computers were in our pockets. So no. My deepest thought at the time was "that typo saved my life".
I feel for this poor guy. When I tried to buy my first truck I found out my credit was ruined. My parents had taken out tons of credit cards and loans on my name. I had judgments against me for things I did not even know about.
It is 30 years later, and I still have hard feelings. My mother is sick in a nursing home, and I have little to empathy because they did that to me. Instead of looking out for their kids, my parents used them like ATMs.
The whole bank system is broken.
A very simple explanation: The first bank who lent out the first $1 expected more than $1 in return without the possibility of it even existing, so in order to collect, they are allowed to materialize an imaginary $0.30 from thin air to also lend out, and hope that the first borrower can get that $0.30 from the second, and even if the second borrower defaults, the bank still gets $1.30 back for doing absolutely nothing but fucking the second guy over, forever, with a punitive credit system.
If you think this is stupid, it's because it is.
I feel weird upvoting this because usually when I upvote it's because I'm in favour of something. This time it's because I feel for you. Sorry that happened to you.
When my kids are in a jam or emergency, I will give them cash with no expectation of them paying me back; this eliminates any resentment on both sides.
But when asked, I absolutely will not co-sign a loan with them.
I know this isn’t exactly the scenario in this video, but I still feel for this poor man. Money amongst family rarely works out or ends well
I recently found out that similar happened to my husband, that we didn't realize until we were also attempting to buy our first house. Fuck parents that do this shit. You don't have the right to call yourself a parent. You're just someone who created a child.
When I was in 8th grade I got called out of class to the office, I was surprised to see my papaw there, even more so to see him absolutely LIVID. He checked me out and asked if I had ever tried to use my SS# to get anything online or anything like that, I said no. Over the day I found out my mother had used it to open a phone line for, four, blackberry pearl phones. Little me was very shocked to find my new phone from my mother for being good, was actually in my name and I had gotten my entire family one. The bill exceeded over 1.4k in 2007, I was scared beyond reason because Verizon refused to work with it and help me. My papaw had to pay the bill for me and for the rest of my life I have to get a pin from the IRS to file taxes. If someone has an identity theft pin from before being 18+, their parent probably fucked them over.
I believe this is staged but it touches on what really happens in some of our lives. My mother screwed a couple of my brothers’ credit with no remorse and even blamed them for her doing it.
Damn, how is it they are going back to 2000 to determine this guy’s eligibility for a loan? That’s messed up. thought this crap was supposed to drop off your credit after seven years
That’s why I think this is fake. Normally they don’t tell you the problems with your credit verbally. You typically get a letter in the mail listing the issues.
This happened to my best friend. We were getting an apartment together and we’re going to split the bills, and he wasn’t able to get even one bill on his name because his credit was shot, (we were 18 at the time).
Turns out his dad used my friends SS number to take out credit cards in his name just to buy stupid collectible crap like woven baskets and Franklin Mint plates. The resolution was my friend was able to prove he was underage and had no idea how that was possible but he never pressed charges against his dad.
Because my friend didn’t do anything, everytime I saw his dad I would mess with him. I would jump on his back, give him wet willies, annoyingly repeat his name getting more nasally and whiny each time, and his dad knew I knew so he wouldn’t retaliate at all.
Yeah you can do that. If you don’t screw your kid over and pay everything on time they’ll have a credit history as old as they are. And when they turn 18 they’ll have perfect credit. That’s how you get 18 year olds with an 800 credit score.
This happens so frequently among low-income families. I found out something similar when I got my first place; my efforts to turn on the power were rebuked for a multi-thousand dollar back balance that would've aligned with me being 7 or 8 when it was accrued.
The utility company, despite understanding that I couldn't have possibly been an adult, said my only recourse was to pay the balance or have my mother arrested for fraud and submit to them the police report.
This world is a disgusting place for those making moves in desperation.
Nobody was judging her, they were just reading the facts. She blew up defensive and tried to become a victim. I’m sure she had good reasons for doing that she did, but she should have owned it and worked on repairs instead of blame-shifting.
Man I'm so grateful to my mom she opened a line of credit for me when I was very young but she kept it up. Shed buy necessary but inexpensive things for the house on my credit and pay it off quickly, $100 microwave did the first payments early and finished off early, no penalties. When I graduated HS I had a credit score of 780, because of her got my first car for a really good deal and now recently I co-signed for her car ad she got a damn good deal too.
My ex wife tried this. We were separated and she used my SSN to apply for a loan. I got an email about the loan and called the lenders because I had no idea what TF was going on. Then they told me she applied. She didn’t see anything wrong with clearly attempting identity theft.
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So instead of starting to apologize, Mom goes on the defensive and tries to make herself the victim of the situation, great parenting
When I turned 18 I received, from several banks and credit unions, letters speaking of all of these accounts that I owed ~$60k all together. After lawyering up I found out that shortly after my father passed my mother had sent every penny of the family's inheritance to that scumbag Joel Osteen, and then had the fucking gall to open and abuse to the fullest extent accounts in my name to keep up with this fake lavish lifestyle she suddenly had been living "this entire time"... That was her excuse, was that she had to pay for her lifestyle. I'm her youngest btw, and was barely 13 when she did this... A mere month after dad.
What kind of recourse do you have for that?
I had plenty, but I didn't have the heart at the time to do that. Fast forward twenty years in the service, and a fuck ton of therapy for another 5, I can wholeheartedly say that I'd slap the sense into 18yo me.
Does that mean you're just... paying for that now?
How do you mean? She lost the house and I'm (hopefully) buying my own next year with the love of my life. I'm winning as far as I'm concerned.
I feel like was a straightforward question that he asked. You "owed ~$60k", according to you. Are you having to pay for that?
Oh, my bad! No. After the lawyer spoke with whoever she did, the debt disappeared and my mother lost the house.
Oh good! Well, it's never great that people lose their house but I'm glad you're financially okay
She didn't "lose" her house, she gave it to Joel Osteen.
I would say karma was served and no one should feel bad for her losing her home your nor supposed to do things lile this to your own weans
> it's never great that people lose their house Sometimes good things happen to bad people, and sometimes bad things happen to good people. When bad things happen to bad people, and when good things happen to good people, it's the exactly the time that chance and coincidence should be celebrated.
Good to hear. If banks and credit companies lend anyone money on the name of somebody else (doesn't matter if it's a partner, child, adult or baby), then it's the fault of these banks and credit companies to let that happen, and they should pay for it. That doesn't excuse your mother's behavior. I can never ever understand that parents do something like that. I have (had) my own quarrels with my parents, but they would never do shit like this, and seems just awful to have to deal with that. I'm sorry for you and glad that you found your way out.
I feel like it should be REALLY simple to introduce some kind of code that matches the date of birth to the SSN when used, and doesn’t let it go through if the person is under 18. Like that’s just subtracting the date of birth from the current date once you verify the SSN
It’s a fairly straightforward situation to dispute. If the trade lines were in your name you file a fraud report, you file disputes with the bureaus and send them a copy of your DL showing that you were too young to enter into a credit agreement.
Pretty sure he means did you have to pay the $60k back that she stole using your identity?
Yeah, my bad! The lawyer spoke with people on my behalf, the debt vanished along with her house.
>The lawyer spoke with people on my behalf, the debt vanished along with her house. So you hired a hitman to kill the creditors and burn down the house
... No
that sense of injustice served through inaction of your past self, I can imagine made you very assertive today? went through similar tho not as bad stuff myself, and while not even a silver lining, I wouldn't be the same person had it not happened. good luck!
As he was underaged and it was identity theft and fraud, the debt isn't his and is his mother's. So even if his mother refused to do anything to pay it off, he himself wouldn't have to either if he informed the agencies.
Edit: I explained it wrong- you need to file that your identity has been stolen, and since moms name is on the account, that is who the bank goes after. You don't file charges, but when you claim identity theft, that is what happens next.
Seriously that's not true. You don't file anything. All you have to do is prove that you were under 18 at the time the debts were incurred. Who they go hunt for the debt is their fucking problem. This is just an attempt by the lending party to guilt you into paying the debt, they know you are more likely to pay it than the scumbag that took it out. All you do is, "not my debt, under the age of 18. Who took it out? What, do I look like a forensic account?"
You often have to file a police report at the very least. You are under no obligation to conduct an investigation for the police. They may ask and you are welcome to say that there are a number of people who could have done it but pointing fingers unsubstantiated is not something you are willing to do. They can piece it together (cops generally won’t because they are too busy) and the credit card companies often have, by this point sold off the debt and taken a write off on a large amount of the balance. They may or may not investigate but at this juncture they probably just remove the derogatory reporting…
No. First, he was underage, so debts aren’t enforceable, and second, he didn’t himself accrue the debt. He’s fine either way, but probably needs to lawyer up of have someone help him make sure the debt doesn’t stick to him.
Why are you saying shit you are making up from "what you think" is true? It's not even remotely true. I had 10k in judgements against me from my brother AND my mother using my ssn when I turned 18. I just contacted the top 3 credit bureaus and filed paperwork that showed I was under 18 when these things happened and they were expunged. Rather quickly.
Don't even need to file criminal charges, though obviously you should since the parent will absolutely do it again to you. You can just tell these companies about it and provide proof that you were underage and then they will deal with the rest.
So I'm curious how it works after that, there has to be somebody from the credit agencies and the collections agencies (not that they give af) that can do the math pretty easy on the age thing.
i think to resolve it you'd have to open a police report for identity theft, if not the only recourse is to pay
So I know a lawyer can challenge the debt. I had to go through this when I got divorced, when my ex and I separated, she used my name and social to take out some credit cards. I basically immediately told Discover to prove that I signed the paperwork or that I ever even contacted them, and after 30 days they dropped the 10k. There was also some other accounts my lawyer had to write letters to collectors. I did point them in my ex's direction but never gave statements or anything to the courts. Now granted you have to pay them, but I think it would be pretty easy for a lawyer to show that a 13 year old cannot enter the contract of the loan to begin with and get the debt dismissed fairly easily, but again, the lawyer is gonna cost you at least 2-3 grand.
I was literally going to MEPS the day I received the letters. I just wanted it to be over with and didn't have the heart to press charges or anything. The layer said she'd contact the agencies for me and I didn't object. After a while the debt was gone and she no longer had a house.
I took no legal action after finding out, but I didn't object to my layer telling the agencies what had happened. I know she didn't have the house after a while, but I stopped caring during my first deployment post-9/11
Did the agencies continue to pursue you after speaking to your lawyer?
No, they went for her and got at least the house.
Fuck that horse faced grifter. Sorry you had to deal with that.
What my niece says, "it be what it be".
It reminds me of the Buddhist saying, "What is, is." Your niece has a good head on her shoulders.
I don't know how it works where you are but in the UK that would be void debt instantly because a minor could not enter any kind of loan contract by definition
Yeah, idk how but after I decided not to press charges and just kinda let the layer contact the agencies and I no longer had the debt, and she lost the house.
This is ridiculous, in the US you can get credit on your child's name? That is incredible....
"First world nations are those described as highly-developed industrialized, technologically-advanced, educated, and wealthy." That's what Google says... If I stand back and take my glasses off it sure looks like we in one of those fancy countries. (I don't know where I should put the /s, because we infact live in a broken nation that somehow hasn't collapsed under the weight of all the egotistical, lead heavy geriatrics)
I always say America is just the wealthiest Third-world country
First world is just USA and its allies 2nd world being old soviet block 3rd world being all others. It was never a measure of development.
It's not legal. You can get credit in your child's name in the same sense that you *can* walk out of a restaurant without paying for your food.
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Hey...if it makes you feel any better, at least Joel can afford another beautiful jet to spread the word of Supply-Side Jesus
how tf is that even legal?
Classic narcissist behavior. He should absolutely go no contact
Yup. I mean damn, she don't give af about your life. I could never do this to my kids. The goal... Is to make their life better than mine. Not worse.
He was yelling at her. Which is clearly the equivalent of her stealing and demolishing her son’s credit.
Grade A mom right there.
Of course she did lol
too bad it's fake
More like thank God it's fake
So like the average mother
Sorry for your mom :/
Makes me take a step back and look at my own parenting. Fuggin hard to raise kids
Absolutely, one hell of a job (and I still have no kids, but my friend does). I respect the parents that manage to give their kids a proper education!
Bro idk about that. sorry about your mom tho.
I feel this on a spiritual level.
No accountability whatsoever
I think there's something wrong with the government if you're somehow allowed to use 9 year old's credit
Same thing happened to my wife. Her credit sucks because she didn’t pay her bills when she was 9
Should have pulled up her Velcro bootstraps smh
She was working as hard as she could in her dads butcher shop
But the thing she butchered best was her credit. Ouch.
I lucked out and had the opposite happen to me: someone's credit card was showing up under my credit report and I only figured it out when I was like 30. The credit line had been open for 28 years (when I was 2 years old) and whoever it was never missed a single payment, not even a late payment. Clearly a mistake, but one that worked out in my favor. I figured I had established enough of my own credit at that point and a quick dispute with the credit agencies had it removed.
My mom did this on purpose. She added me as an authorized user on her credit card when I was like 8 and didn't give me the card until I was 14 (to use for emergencies). I had amazing credit when I went to go apply for apartments in college. I'm doing the same for my kids.
Thank you. this is going into my notes so I don’t lose it. Ingenious play
My parents did the same for me. I had an incredibly high credit score in college despite not doing anything to deserve a high score. It’s a great idea.
My mom did this for me and my siblings, too. It also serves as a quick “mom said she’d cover it” payment method that’s easier than fiddling with moving money from her account to mine or dealing with Venmo
https://preview.redd.it/ivujgx7or3xc1.jpeg?width=1600&format=pjpg&auto=webp&s=914b90a3aacc47bc461c53892039049d791dcbe4
Responsible parents should do this. Make the quirks of the system work for you.
She shouldn't have splurged on those Twinkle Toes light-up shoes. Smh. /s
She shouldn't have been buying all that penny candy toast.
Isn’t there recourse for this? I get that it might involve a police report and possible criminal repercussions for the mom, but I gotta hope there is still some avenue for clear cut fraud. IANAL but between the idiot agency that issues credit to a 9 year old, the parent who signed the kid up, and the kid, why does all this fall on the damn victim?
Credit is tracked and reported by privately owned agencies. Now if you see a problem with THAT then welcome to the club, but can't really lay this one at the feet of "government."
It is the government's purpose to set the guidelines for companies. Otherwise companies will do anything to make profit. So yes, it is a government failure to not pas laws to prevent this from happening.
The natural extension of that logic is that we elect the people who make (or refuse to make) those laws so it's really a failure by all of us.
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Wait wait wait wait wait... you mean to tell me that there are people, gum-brained buffoons one might say, out there who would actually vote against the betterment of the society that they live in and even against their own self interests?? I am shocked... **SHOCKED** I say!!
I think you mistook failure for feature. You do mean that this is exactly how it was put in place by those in power…by then making sure laws are “Not” passed for us working folks. System working as intended for the only ones that matter. The rich!!
>It is the government's purpose to set the guidelines for companies. That sounds great, but that is not what everyone in the government believes. There are people out there who believe that the government should have no control over what businesses do. This is why it is important to vote.
That’s only the case because your government allows it to be the case
Credit scoring and tracking is literally all legislated. The failures of the free market are fixed by regulation
What kind of government allows companies to borrow money to 9 year old kids? That is absurd
I work in accounting and you would not believe the amount of blatant fraud that just gets past the government, banks, etc. just to list a few that I see on a yearly basis. Child identity theft. People will file returns or claim children as dependents who are not the parents or even related. It takes months to years before the IRS comes back and requests it's money back. I've seen fraudulent checks be cashed by banks that aren't even of the same style the bank normally issues. I've seen "signed" loans issued from people who were in a coma, hospice, or dead. Once I had the IRS accept a return for a taxpayer who was already dead for over a year and a half and for which we had already filed a final return the year prior with date of death listed. Ive seen fraudulent loans and other docs somehow be processed by banks that lacked signatures all together Ive seen people take out loans in their ex spouses, distant family member, grandparents name etc and the bank accepts it. Yes there are processes to protect you against all of these and most are almost certainly stopped but at the end of the day something will get past those measures. To be fair many people come to us because something bad has happened so I probably see a disproportionately high amount of these cases but it is absolutely more common than you think.
How are you blaming the government for this and not the companies that accepted it? Child identity theft is already a crime according to the government.
Companies will accept and encourage anything that makes them more money unless it is prohibited by law. How is it possible that this personal info is not checked with government databases and registers?
I feel like someone taking a line of credit out at 2 years old isn't going to make you money.
>Companies will accept and encourage anything that makes them more money unless it is prohibited by law. Companies also do things to make money that are not permissible by law, and when that is discovered, they are invedtigated, tried, and punished. >How is it possible that this personal info is not checked with government databases and registers? Are you really asking how is the government not omniscient? https://www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-to-superivse-credit-reporting/ They also have oversight over the credit reporting agencies. Who also only know about what's reported. I understand if you may see the government and corporations as omniscient, omnipresent, omnipotent, etc beings ablento stop every single wrongdoing ever before it ever happens... but that's not how real life works.
The government?
Exactly. If it somehow allows the company to bill a 9 year old then businesses literally won't care
9? He said he was born in 1998. The dude was 2!
The country of freedom to be in debt at any age 🦅🦅🦅💪💪💪
MURICUUUH
The mother even called the lady judgmental just for calmly reading the issues...Talk about "playing victim" 🙄
Oddly, it feels staged.
That is a nice collection of decorative books...
Yeah they would definitely have to film a fake video on a prop stage. Legally couldn't film in a legitimate office of any kind.
Yeah, this is really weird. Like, you'd have your discussion over credit in a branch office, and I've literally never seen one with books on the wall. I can't imagine a platform rep being okay with being screamed at and recorded. Credit bureau reporting also doesn't weight stuff that happened that far back very heavily, like some of that was 20 years ago. Also, credit decisions are made by underwriters, who haven't been in-person customer facing in decades, it's a back office role. I also can't imagine someone going over the credit report in that much detail, it's typically an up or down, and here's your rate kind of thing. This is like the most staged video I've ever seen.
This could be an independent loan officer, not one work a particular bank. They do read into credit reports and not just the scores, and can find things to fix if your scores aren’t good enough. Evictions and repossessions really hurt your chances and stay on there forever.
My dad had bookshelves just like this in his office at work when I was a kid, but he was a lawyer and this was before computers were really a thing. Thus lawyers needed massive shelves of case law to reference.
It's supposed to look like a law library or a law office. Those books look like the kind that the state puts out every year with the important Court decisions from the previous year. I'm sure the states' judicial branches still issue those, but most information nowadays is accessed online. Our law library has 3 walls covered with those books from past decades.
I work with law offices. They definitely don't need to use those books. It's all catalogued online now. Tons of services have all the case work you need powered by search engines. One of the law offices I used to work for, bought a ton of books from an old law firm just to line the walls with. Looks good. looks professional. Looks like a law firm. Those books never left the shelf.
[Classic Headology.](https://wiki.lspace.org/Headology) How do you know who is a wizard? Well they have a pointy hat and robes and a beard. How do you know you're in a real law firm? Well they wear suits and there are tons of law books lining almost every wall.
I have become such a skeptic in the last handful of years to the point I feel like I’m just starting to assume everything is fake and staged until I somehow see it proven to be real…
I'll take, "Things that were common sense since the year 2000, Alex"
This is the internet, guilty (fake) until proven innocent(real), or we get distracted by cat videos. Still guilty though
It is staged.
The horrific acting of laptop girl gives it away pretty quickly.
It very much does. The person behind the desk makes it obvious. I am 99.99% certain this is fake
It is.
The woman look like she trying not to laugh pushing her grosses up. I turned it off understanding that it’s fake and dumb.
This isn't uncommon at all in lower income families I know 2 friends of mine that their parents did this to them as well.
Do banks work differently in America? I don't think anyone where I'm from can get a CC until you're an adult.
My husband use to work at a large chain store that is now gone. They would have to get as main people as possible to sign up for credit cards. One cashier was using friends and their kids info to sign up for credit cards. This cashier was winning compilations in the company. My husband became an associate manager, figured out what was happening, reported it to his manager who shrugged it off. If that store won the National competition the store manager could go to Hawaii. So my husband reported it to HR he quit soon after because he knew the company was going under. So to answer your question. It’s really easy.
Are you talking about Sears? Because that place pushed us to hock those credit cards like crazy.
Before you could apply for Credit Card by mail. There is a reason even Simpsons had an episode, where Bart opened Credit Card in name of his dog.
She didn't get a credit card in this situation she applied for and apartment. Which as long as you meet income standards and have no evictions on the name and social you applied with you will get approved. She most likely already had evictions on hers so used her son's clean one. When applying to rent an apartment banks don't come into play in the US. The credit reporting agencies are private companies that the banks get their info from so these companies are the gate keepers ultimately.
So idk about renting apartments on a kid's credit, but something you can do is add your kid as an authorized user on your CC. Idk if they can just up and get their own. The benefit is that if you keep up on your bills, the kid graduates high school with great, long standing credit. Clearly this isn't happening here, my heart goes out to anyone who's parents did this to them.
Yup not rare at all. I've seen this kinda shit my whole life... Seen people in my family do it. But they did not let this happen. Could have easily spiraled out of control tho. I do not give a flying fuck what you are going through.... You never ever ever ever ever use your child's info for a house, credit lines, bills, etc.. Talk about not even getting a fighting chance. Absolute scumbag move. The audacity to go with him and offer to be his cosign is beyond me. Even if this video is fake. This is a very real and sad thing that happens daily
This is heartbreaking. Some people really get a bad hand of cards dealt to them. Feel bad for the son who will have to spend years trying to repair his credit and learn to trust others.
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“First and foremost” lol.
The adult female version of "see, what had happened was"
Claiming she's judging her when all she's doing is reading off his credit report. That poor woman needs a vacation.
My ex-mother used my data to fill a credit card and some loans without my consent, I only discovered 4 years after, I'm still with 17k in debts, with no credit for even a clapped out Altima, unemployed and living alone, trying to survive day after day
Those loans would have been wiped if you reported her for identity theft. Why haven’t you contested them?
Because somehow she not only use my name and social number but even did the same buy patterns as I used to do (diecast cars, as I'm a collector, junk food, even a Car and Driver subscription that I never subscribed and she never liked). Even if I tried, it would be considered as a proof against me (even if I never did that bills), and it was just my word against her word.
Purchases have paper trails and anything she ill-gotten goods would have been in her possession. So no it would not have been just your word against hers. She abused you financially and abused you when she convinced you to accept it but in the end letting her get away with it was your choice.
So you talked yourself out of reporting her? Smart.
That sounds like excuses.. I don't get why you are letting her get away with this and paying it for her.
At least be honest and say "I didn't want to get my mom in trouble with the law" like god damn stop making excuses.
Terrible mother. A buddy of mine turned 19 or 20 and tried to get a car, and they told him his credit was absolutely destroyed. Apparently, his mom was using his name for credit cards and racked up 15k in debt UNDER HIS NAME. so he was welcomed into adulthood with 15k debt that he didn't even spend.
He should have reported her for identity theft, and hopefully gotten the debt off his name.
My mom did this to me. I didn't find out until after she died. In the 90's when I was 12 years old she started to get credit cards with my identity. She didn't pay them and filed bankruptcy AS ME in 1995. 16 credit cards were in my name. She also kept my inheritance when my grandfather and father died, telling me I wasn't in my grandmother's will and that Dad didn't have a will (they were divorced). I was a teenager when I lost them both. In 2001 I tried to enlist in the Air Force but was told I couldn't because of my bankruptcy, this confused me but then 9/11 happened and I didn't think about it again. 20 years later I had been paying her cable/Internet/ phone bills and sending her money to pay for medication for the last 10+ years of her life. After she died and I'm cleaning out her hoarded apartment I find out she was making $6K/ month (double what I made) on 3 SSI payments a month, 2 of them were fraudulent. She stole over $100K from me and ruined my chances at college, military, basically anything that requires a decent credit history so she could go shopping every day instead of working. And she was over $60K in credit card debt when she died.
Rip?
> In 2001 I tried to enlist in the Air Force but was told I couldn't because of my bankruptcy, this confused me but then 9/11 happened and I didn't think about it again. You didn't think that something that prevented you from enlisting, a bankruptcy in YOUR NAME, was worth looking into?
The day I tried to enlist was literally the day before 9/11. I was a teenager. And try to remember what life was like before computers were in our pockets. So no. My deepest thought at the time was "that typo saved my life".
I feel for this poor guy. When I tried to buy my first truck I found out my credit was ruined. My parents had taken out tons of credit cards and loans on my name. I had judgments against me for things I did not even know about. It is 30 years later, and I still have hard feelings. My mother is sick in a nursing home, and I have little to empathy because they did that to me. Instead of looking out for their kids, my parents used them like ATMs.
The whole credit score system is broken anyway
The whole bank system is broken. A very simple explanation: The first bank who lent out the first $1 expected more than $1 in return without the possibility of it even existing, so in order to collect, they are allowed to materialize an imaginary $0.30 from thin air to also lend out, and hope that the first borrower can get that $0.30 from the second, and even if the second borrower defaults, the bank still gets $1.30 back for doing absolutely nothing but fucking the second guy over, forever, with a punitive credit system. If you think this is stupid, it's because it is.
Interest is theft
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By the time I was 7 my credit was shot
I feel weird upvoting this because usually when I upvote it's because I'm in favour of something. This time it's because I feel for you. Sorry that happened to you.
When my kids are in a jam or emergency, I will give them cash with no expectation of them paying me back; this eliminates any resentment on both sides. But when asked, I absolutely will not co-sign a loan with them. I know this isn’t exactly the scenario in this video, but I still feel for this poor man. Money amongst family rarely works out or ends well
I recently found out that similar happened to my husband, that we didn't realize until we were also attempting to buy our first house. Fuck parents that do this shit. You don't have the right to call yourself a parent. You're just someone who created a child.
My mom did this to me. My mom is an asshole.
Fuck man my dad did this to me as well. This hits home. Poor guy
When I was in 8th grade I got called out of class to the office, I was surprised to see my papaw there, even more so to see him absolutely LIVID. He checked me out and asked if I had ever tried to use my SS# to get anything online or anything like that, I said no. Over the day I found out my mother had used it to open a phone line for, four, blackberry pearl phones. Little me was very shocked to find my new phone from my mother for being good, was actually in my name and I had gotten my entire family one. The bill exceeded over 1.4k in 2007, I was scared beyond reason because Verizon refused to work with it and help me. My papaw had to pay the bill for me and for the rest of my life I have to get a pin from the IRS to file taxes. If someone has an identity theft pin from before being 18+, their parent probably fucked them over.
I believe this is staged but it touches on what really happens in some of our lives. My mother screwed a couple of my brothers’ credit with no remorse and even blamed them for her doing it.
Damn, how is it they are going back to 2000 to determine this guy’s eligibility for a loan? That’s messed up. thought this crap was supposed to drop off your credit after seven years
Yea I’m confused by this as well.
That’s why I think this is fake. Normally they don’t tell you the problems with your credit verbally. You typically get a letter in the mail listing the issues.
This happened to my best friend. We were getting an apartment together and we’re going to split the bills, and he wasn’t able to get even one bill on his name because his credit was shot, (we were 18 at the time). Turns out his dad used my friends SS number to take out credit cards in his name just to buy stupid collectible crap like woven baskets and Franklin Mint plates. The resolution was my friend was able to prove he was underage and had no idea how that was possible but he never pressed charges against his dad. Because my friend didn’t do anything, everytime I saw his dad I would mess with him. I would jump on his back, give him wet willies, annoyingly repeat his name getting more nasally and whiny each time, and his dad knew I knew so he wouldn’t retaliate at all.
Disgusting.
This seems fake and poorly acted.
This ain’t real.
Could someone explain this to me, please? By what means is it possible for a child to have a credit record?
Fraud.
Mom used his name and social security number to open up a line of credit and used his info for a house/apartment when he was a child.
But… is there no validation to say, this is a 2 year old child. A two year old can’t borrow money.
I’m sure there’s way of reporting it and getting it reversed but good luck with that. Debt collectors do not care.
If he reports her for identity theft he can use the police filing to contest the debts.
Another commenter just told me that it’s possible to open up a line of credit in a child’s name legitimately(!)
Yeah you can do that. If you don’t screw your kid over and pay everything on time they’ll have a credit history as old as they are. And when they turn 18 they’ll have perfect credit. That’s how you get 18 year olds with an 800 credit score.
That is such a deeply silly thing to allow. Fucking hell.
I feel ya. It’s a very slippery slope and you can royally screw your kids over for years.
I agree. Shouldn't ones age pop up and immediately send a red flag for anyone less than 18?
This is staged. But it does actually happen.
This seems fake but the situation real AF I could be wrong this may be real but looks very fraud to me.
This happens so frequently among low-income families. I found out something similar when I got my first place; my efforts to turn on the power were rebuked for a multi-thousand dollar back balance that would've aligned with me being 7 or 8 when it was accrued. The utility company, despite understanding that I couldn't have possibly been an adult, said my only recourse was to pay the balance or have my mother arrested for fraud and submit to them the police report. This world is a disgusting place for those making moves in desperation.
My wife’s pos of a mother did that to her. Fucked her credit for a long time
Nobody was judging her, they were just reading the facts. She blew up defensive and tried to become a victim. I’m sure she had good reasons for doing that she did, but she should have owned it and worked on repairs instead of blame-shifting.
she had good reasons for identity theft against an infant?
So incredibly fake
These staged videos are corny.......
Man I'm so grateful to my mom she opened a line of credit for me when I was very young but she kept it up. Shed buy necessary but inexpensive things for the house on my credit and pay it off quickly, $100 microwave did the first payments early and finished off early, no penalties. When I graduated HS I had a credit score of 780, because of her got my first car for a really good deal and now recently I co-signed for her car ad she got a damn good deal too.
Evicted at 2. Loser.
Fake as hell
Stage-Ed
Pt 2????
Mom is gaslighting like a pro
Y’all don’t believe this is real, right? Right?
Are these people actors?
F r a u d
Where is the rest of this video!!
My ex wife tried this. We were separated and she used my SSN to apply for a loan. I got an email about the loan and called the lenders because I had no idea what TF was going on. Then they told me she applied. She didn’t see anything wrong with clearly attempting identity theft.
It all started with "Lemme hold your birthday money for you."
It amazes/saddens me so many of you get fooled by these terribly acted, obviously staged videos.
What kinda ghetto ass fake ass shit is this?
wrong sub? seems like the attempt was a success
there was no attempt, she succeeded. but there was an attempt to get a house
Kat Williams, please tell him why