I've posted here before about the situation involving my credit. Parents "accidentally" stole my identity or whatever excuse they had, messed up my credit. I'm looking to fix it before I move out/finish my degree/get a real job. Here's the details:
Credit score: 536 One account (Loan my parents took out) Very poor payment history (Aforementioned loan).
Will it even be possible to build it up to a good score? I only have that one account, so I'm assuming having more lines of credit would help (a secured card or something of the sort). I already confronted my parents (who admitted to doing it) about it and they refuse to do anything to remove the bad line of credit from my name. I disputed it with Equifax as well and they rejected my dispute claim.
Elijah Thompson
>they refuse to do anything to remove the bad line of credit from my name wtf? so they did it on purpose?
Blake Parker
They claim they didn't, but they also tried to cover it up, so I don't know.
I went as far as to visit the police station to see if I needed to file an official report in order to get it off my record, but the officer available wasn't sure, and I have a younger sibling that's years away from being independent, so I don't want to press criminal charges (if I even could).
David Kelly
do they want to stop you from moving out so they ruined your score forever? cause that's the vibe i'm getting here.
Brayden Gutierrez
I don't think so. Never attribute to malice what can be explained by incompetence, or however that quote goes.
They've pretty much ruined my college finances but honestly don't seem to think they've done anything wrong or understand why I'm, to say the least, frustrated with them. They seem to want me to move out and finish school, but they don't register their involvement being a hindrance to both of those things.
When I went to get a loan to cover a gap in my merit-based financial aid, they dissuaded me by saying they'd pay for it themselves (at the time, I didn't know that if I'd went to apply for the loan, I would have found out about what they did to my credit in the OP post), but they never actually paid. They made a payment once, months later, and then just forgot about it, I guess? But since it wasn't a loan, just a balance owed, it got sent to collections. They'd told me they had paid, so I didn't find out until I went to register and was informed I couldn't due to a large balance owed. It's payed up, but only because another relative helped me out. Still, had I not gone to register, they probably would have kept telling me it was paid off until it defaulted or something with my name attached.
Landon Gonzalez
Bump.
Carson Lopez
>I don't want to press criminal charges You're an idiot. That's the only way a credit agency would consider removing the bad credit. I'm boggled you would accept that treatment from family.
Henry Rivera
It's a felony in my state and would result in both of my parents losing their jobs and home, though. I contemplated it for a while, but have pretty much gotten from all sides advice not to make this explode into some huge mess. It's been six months, I believe, since the first dispute, and I don't even know if I could press criminal charges now, anyway.
William Hernandez
Leech off them as much as you can right now, but next time when you flown the coop, give them the same treatment
Sebastian Taylor
I'd set up a payment plan with my parents which, if it wasn't adhered to, sends them to jail. $100 per week for a few years or something like that. Whatever you place the cost on for having shit credit requiring years to bring back to where it started.
