Today, I got rejected for approximately the tenth credit card I've applied for, so I called a bank to find out why. Apparently I took out a car loan in 2004 and bought a house in 2006. I was 13 in 2004. The credit report does not have any records of this. Thank you identity theft. FML
Collection
Halloween
A failed costume, stolen candy and a very real scare: Halloween, the one night when fear is allowed.
Today, I finally found out that someone had stolen my debit card and maxed it out. The good news? Whoever it was forgot to change the address on the card, so everything they bought online has been shipped to me. The bad news? I've received 16 snuggies so far, and I'm still counting. FML
Today, I found a credit card at my job. As store policy goes, we have to cut up lost cards immediately after finding them to protect the cardholders. As I grab the scissors and cut, my manager calls out, "Has anyone seen my credit card?" FML
Today, I was slammed onto my car, thrown on the ground, and arrested for outstanding warrants from 1979. I was born in 1992. FML
Today, I showed by ID to get into a bar and the bouncer kept it because he said it wasn't me. It was. Apparently I've gained so much weight I am unrecognizable. FML
Today, I wanted to use my gift card for a liquor store. I went to pay the cashier, who said he needed to see my license. I gave it to him, along with my gift card. After paying, he asked me if I wanted him to cut it up, since the card was now worthless. I said yes. He cut up the wrong card. FML
Today, it's been two weeks since someone walked into a bank in another province and showing only an RV receipt had 40k wired from my account. I notified them immediately, and was told to call back later. Then I was told it wasn't fraud, it was done in person. I will get the money back but unfortunately that's only the start… FML
Today, my car broke down. My colleague came to get me and then, later, my husband picked me up from work. We went to collect my abandoned car, but it was gone. It took 10 minutes of me panicking and thinking it had been stolen before he crumpled in laughter and told me he'd already collected it. FML
Today, I got lost, and eventually noticed that I'd passed by the same house a few times. Apparently somebody who lives on that street noticed as well, because the next time I passed by, the police were waiting for me. FML
Today, my car got keyed because I was parked in a handicapped parking spot. I'm handicapped. FML
Today, I got a call from a girl I dated long ago, who cheated on me and got pregnant by another guy, or so we thought. Turns out it isn't his, and she is taking me to court for child support. 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
lizzzie_fml 0
I don't know how it works in New York, but here each rejection costs you credit points, so you haven't been doing yourself any favours by applying so often. Then again, Identity Theft sucks, FYL
LadyKaya 0
Well, I'm sure if you tell them your age and prove it, they'll fix it...but hey, that still sucks.
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (109)
Jonesy_fml 0
Did the bank who gave "you" that loan think you were a really rich 13-year-old?
HahaYDI 0
YDI for buying approximately 10 credit cards, even one is a disaster..
lo1337a 1
SHE. WOMAN. SHE.
p89hg69 0
lulz
gothymama 0
Since when do you "buy" credit cards?
Palentar 0
wow, learn to spell before you call someone an idiot you retard.
AliceSaysFYL 0
Haha, so true lol
horsegirl331 6
Ur a jerk and a **** or man ***** how do u like tht a taste of ur own medican
horsegirl331 6
For the one tht said retard
mrlucky4444 0
That really sucks
LadyKaya 0
Well, I'm sure if you tell them your age and prove it, they'll fix it...but hey, that still sucks.
cxal_fml 0
actually they don't. Even if you can prove identity theft, its nearly impossible to get a new social security number - which is what you need to fix your credit. 20/20 did something on this a few years ago. Its not to uncommon with estranged parents who steal their children's social security numbers (hmmm, op could this be your situation?)
Sigil 11
yep, you are right.
lizzzie_fml 0
I don't know how it works in New York, but here each rejection costs you credit points, so you haven't been doing yourself any favours by applying so often. Then again, Identity Theft sucks, FYL
Rawr6591 21
Works the same in NY
natsaysheyyy 16
You're only 18 and you've applied for 10 credit cards in the last year?! Wow, that is terrible for your credit too. You didn't think before doing this, OP? Here's a few tips. Next time you decide you want to open a credit account, order your credit score online from one of the three major bureaus. Then, look up online what cards you would be approved for with that score. Much less chance of getting denied.
Kay_Kay27 13
Or just don’t get one and live within your means
_THE_MASTER_ 0
it should definitely be on one of your reports...and with the who 'took out a loan on a home' thing, it should be easy to track that person down and get your credit back
MyCubicleRomance 0
i like how thirteen trolls said it was her fault
fawfulster 11
Serving chowder?? Braaaaaaaaaaaaaaaaaaaarrrf *vomits*!
bballbraceface33 0
HAHA but you can easily prove it wasn't you!
sjks 0
id check with your parents, if they had shitty credit they might have used your name when you were younger, i doubt any one else would be able to get your info at that age
magicsparrow 0
This is most likely what happened. B/c you simply cannot buy a house with just a 13yo's name & SSN. Sorry.
boatkicker 5
Actually yes you can. I 'bought' a house when i was 8, and another when i was 14. Thankfully mine were both paid off quickly, and later sold again. Anyone can do whatever with the information if they're given it, and an unfortunate number of places don't even look at age. If the name and social are right, they go for it.
nerdking21 10
Yep identity theft. it sucks
Hermyoni 0
I agree with #8 could of been someone in your family be prepared for that. My husbands mother did that to him and it wasn't til we got married that he even noticed since he had never pulled his credit report since he knew he always paid everything on time.
PandaPandaPandaX 0
Yeah my Dad has bank accounts and all sorts of stuff in my name which I only just found out about. They're not for my use, it's so he can save money because the bank won't take interest since I'm too young. Ass.