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
Collection
Thanksgiving
Questions about your love life, a burnt turkey and the cousin who knows everything: Thanksgiving, a contact sport.
Today, I found out my identity was stolen. The person got credit cards in my name and didn't pay the bills, which has ruined my near perfect credit. The worst part about all of this is that I can't turn the person in. It's my mom, and sending her to jail wouldn't really work out for anyone. FML
Today, all of my credit cards were frozen due to fraud. The culprit? My own mother. She rationalized it by saying I "owed" her for raising me. She didn’t even raise me. My grandma did. FML
Today, I received a call from a collection agency. Since I had no clue, I was ready to file a police report for stolen identity. I then called my mom only to find out she has been opening new credit cards with my information for 3 years and not paying them. My credit is ruined and I'm only 21. FML
Today, I found out why I haven't been getting my bank statements for the past couple of months. My parents have been hiding them from me, because they've been stealing from it. FML
Today, I discovered my own mother has been stealing money from me for months when I opened my savings box to find it empty. FML
Today, I found out my credit card was maxed out to the penny, all thanks to purchases made on an online wine store. Apparently my mother was thirsty enough to steal from her own son. FML
Today, I discovered my mom has been using my credit card to buy everyone's Christmas presents. FML
Today, my sister stole my credit card, used it to rack up a small debt, then told my mom she will pay me back in the future one day, “happily”. But not right now because she has better things to spend her money on. FML
Today, I discovered that my mother has been stealing from me to cover her mountain of debt. I’m barely making ends meet as it is. When I confronted her, she had the gall to suggest I get a second job to support her. FML
Today, my boyfriend had always told me that his mom was dead. Apparently he just meant she’s dead to him. She’s actually a con artist. I just met her for the first time, after learning she impersonated me, stole my savings, ran up credit card debt, and bought 3 cars. FML
Feel like sharing it with the other FML users?
Thanks, your FML was submitted, and will appear in the moderation queue soon!
Top comments
lyncecelia 13
wow.....what a bitch. Turn her in, you need good credit these days!!!
Jewelofagal 2
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.
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (97)
mariet_fml 23
Turn her in immediately! She has no remorse, which means she's probably been using it on garbage. Forget about her.
karinah_fml 0
email Jerry springer. somehow he'll solve it
pip74205 9
Your choices are to have your life ruined for many years to come, or to report your mother. She'll survive the legal proceedings, probably get probation and a fine. She has to take responsibility for her actions. Think of it as Karma for all the times she punished you. Send a letter to all the credit score agencies explaining what happened. That way, whatever doesn't get fixed when you get what your mom did reversed will be covered by your letter, helping to mitigate those negative hits whenever someone runs your credit. If your thinking of not turning her in, remember, your interest rate for ALL loans and credit cards are based on your score. You could have loans upwards of 15% higher. As an example, a $1,000 debt, left unpaid with 1% interest will total $1,816.70 after 5 years. If the interest was just 4 percent higher (at 5%), the interest will make the total $12,667.14 at the end of the same 5 year period. A $10,000 used car would cost you as much as a new BMW at the end of a 5 year loan. And don't even think about the extras on a mortgage.
rallets 23
shouldnt they be thinking about the extras on a mortgage? o_O
janise 2
How did you get those figures? By my math a $1000 loan at 1% interest would be about $1051 total ($51 interest) after 5 years assuming interest was compounded annually.
Zebidee 9
The $1816 figure works out at 1% per month, not per year. The other figure I can't reverse engineer.
docscientist 10
Interest rates are per year, not per month or whatever calculations you're using.
Prankster7o7 5
Either way, interest still sucks.
Zebidee 9
#45 - credit card interest is done per month.
AsianCookie247 14
that's horrible!
sxyKarri_94 0
Worst mom ever, she doesn't seem to care about your future so why should u care about hers, the OP needs to report her...
catkat1988 17
When a parent is willing to compromise a child's economical credibility before the child has had any chance to do that for himself or herself, I seriously suggest taking legal actions against the parent. The relationship is obviously already going to suffer, the parent saw to that, and I wouldn't protect someone who violated the law that severely against me - especially if it's the only way I could clear my own name. I'm surprised by the number of parents at FML who appear to think that stealing from your children is acceptable - ranging from cash for lunch or gas to an entire identity for bank credit over a decade or more.
AmericanBadAss 21
I don't see a damn thing "acceptable" about that mother's actions.
ulicksam 0
If she was wrong, and you DO need good credit, it wouldn't have taken you 3 years to find out. She's a thief, but she wasn't incorrect.
GrimGoose 0
It's very possible that OP just became old enough to need to use and/or worry about credit. I've heard of people being caught using their 2 and 3 year old kids' identities for credit. For a parent low enough to do it, it's easy enough. They have easy access to a free and clear social security number.
mollyjynxjax 28
How the hell was she not incorrect?!
Ranimal 12
You have a pretty big decision to make. Either you turn your mom into the police and follow through with all the necessary actions or let her off the hook and deal with the hell you are about to face when you need anything of value that involves credit checks and debt.
roaminginsomniac 0
Sue her. What she did is illegal.
LiznessMonster 9
If I were in your shoes, mad would not be a strong enough word to describe what I feel. I would usually wouldn't suggest distancing yourself with your parent (as I one of mine not a long time ago), but in this case, I think you should take legal action, and then get as far away from her as possible. I mean, if she's willing to do something like this to you, imagine what else she could do that would ruin your life! Of course, I have no idea how your life is or the relationship you have with your mom, so if this all irelevant, then sorry lol.