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
Wild Nights Out
Last call, bad decisions and 3 a.m. texts you'll regret until noon. Cheers.
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
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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.
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Comments (97)
FancyKnickers_fml 0
This might look like an 18 karat run of bad luck but in truth, it was rigged from the start.
WhyCantIDoRight 5
That's just really low...
MistyLazuli 0
U should really take it to the police so u can make ur credit record straight, then (if u want) don't press charges. Ur Mum will get given a warning & ur future will be rescued (u really need a good credit record in this day and age). Win-win!
buttercup1575 0
I used to work for a credit bureau's telecommunication section. You'd be suprised how often we had to tell people that opening up service in their child's name is illegal. OP, if your mom opened up credit before you turned 18, you have an excellent chance of having those accounts surpressed. Supressed means that even if the accounts continue to report to the credit bureau, the accounts won't show up on your report. If you haven't already, contact all three bureaus to see if you can have your accounts suppressed and also have fraud alerts put on your reports. Good luck.
garfield224 0
What a bitch
chopsuey310 0
that sucks what a witch
tibbz87 5
Your mom is a down right ****.
midnight165 5
Agreed with number 3.. Your mom had her chance to get good credit.. Don't let her ruin yours too.. Turn her in.. She's already screwed, why be screwed with her?
chiaguy 3
sue the bitch
deathmask1997 10
Does this remind anyone of the mom who burned the Yale acceptance letter?