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
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
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)
lyncecelia 13
wow.....what a bitch. Turn her in, you need good credit these days!!!
rallets 23
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
lol you stupid, ugly chipmunk!
MichaelGood 0
seriously turn her in! u need credit for everything! keep it good and u won't have to worry.
jrsgreenfire257 0
253 people dont know what credit us xD
Crazyjoe33 6
52: do you mean "is"?
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.
youfailed18 0
She needs your good credit because hers was already shot. You should turn her in.
BoCo_fml 9
What a nice Mom you have there. I would make her pat everything off, and if she refuses, turn her in.
Quasar55_fml 18
Well if you can't get any compensation from her, deal with it the american way ... SUE
docscientist 10
She needs to take some sort of legal action.
Vjt19 1
that IS the American way.
cats400 16
So you would let someone walk all over you?!?!
disney_blonde 16
Turn her into the police. She obviously doesn't care about you that much.
yuggi1 11
Teenage bankrupcy.
Zodaicz 4
Really? Wow...your mother is a bitch.
catnip216 0
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.
mariet_fml 23
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.