FML : Today, I learned why my credit score is so low. My mom stole my identity almost three years ago. Her excuse? "You didn't need good credit for anything...

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Today, I learned why my credit score is so low. My mom stole my identity almost three years ago. Her excuse? "You didn't need good credit for anything anyways". FML

I agree, your life sucks

You deserved it

By MommyLovesMe - / Tuesday 8 March 2011 15:21 / United States

Money

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Top comments

By lyncecelia | 13

#2162384 - Tuesday 8 March 2011 07:08

wow.....what a bitch. Turn her in, you need good credit these days!!!

By Jewelofagal | 2

#2162397 - Tuesday 8 March 2011 07:10

You know that you're on the hook to repay the debts your Mom ran up under your name, don't you? Even if you aren't sued for repayment and/or choose not to pay off the debts, your credit will be trashed for 10 years. This will affect nearly everything you need/want: college loans, apartment rental, car loan, mortgage, JOB (many employers check credit before deciding to hire). The only way to restore your good credit it is to file an identity theft report with the police, then go about cleaning up the mess your Mom left you.

Comments

By lyncecelia | 13

#2162384 - Tuesday 8 March 2011 07:08

wow.....what a bitch. Turn her in, you need good credit these days!!!

rallets | 22

#2162428 - Tuesday 8 March 2011 07:14

shoulda gone to free credit report dot com you woulda seen this coming at you like an atom bomb they monitor your credit and send you email alerts so you dont end up selling fish to tourists in tshirts yee-haw!!!

josephhhhhh | 0

#2162502 - Tuesday 8 March 2011 07:46

lol you stupid, ugly chipmunk!

MichaelGood | 0

#2162638 - Tuesday 8 March 2011 08:49

seriously turn her in! u need credit for everything! keep it good and u won't have to worry.

jrsgreenfire257 | 0

#2163936 - Wednesday 9 March 2011 04:23

253 people dont know what credit us xD

Crazyjoe33 | 6

#2345769 - Thursday 14 April 2011 12:46

52: do you mean "is"?

By Jewelofagal | 2

#2162397 - Tuesday 8 March 2011 07:10

By youfailed18 | 0

#2162402 - Tuesday 8 March 2011 07:10

She needs your good credit because hers was already shot. You should turn her in.

By BoCo_fml | 9

#2162404 - Tuesday 8 March 2011 07:10

What a nice Mom you have there. I would make her pat everything off, and if she refuses, turn her in.

By Quasar55_fml | 18

#2162411 - Tuesday 8 March 2011 07:11

Well if you can't get any compensation from her, deal with it the american way ... SUE

docscientist | 9

#2162979 - Wednesday 9 March 2011 12:21

She needs to take some sort of legal action.

Vjt19 | 1

#2183639 - Tuesday 15 March 2011 06:50

that IS the American way.

cats400 | 16

#5881632 - Monday 10 March 2014 11:51

So you would let someone walk all over you?!?!

By disney_blonde | 16

#2162413 - Tuesday 8 March 2011 07:11

Turn her into the police. She obviously doesn't care about you that much.

By yuggi1 | 11

#2162421 - Tuesday 8 March 2011 07:14

Teenage bankrupcy.

By Zodaicz | 4

#2162425 - Tuesday 8 March 2011 07:14

Really? Wow...your mother is a bitch.

By catnip216 | 0

#2162443 - Tuesday 8 March 2011 07:18

Whether she's willing to pay up or not, the only way to reverse the damage is to report the identity theft. Paying everything off in one go will prevent further damage to your credit, but everything she did will stay on your report for the next 10 years if you don't report her.

By mariet_fml | 23

#2162473 - Tuesday 8 March 2011 07:32

There's a depressingly large number of FMLs about parents stealing money and identities. One of my friends went to apply for her first credit card when she turned eighteen, was immediately denied. Turns out her mom had been using her daughter's identity for nearly ten years.