I went to check my credit score this morning just out of curiosity. I have never owned a credit card, and only turned 18 a couple of months ago. As soon as I see my score I realize that first of all, it’s bad, and second of all there’s a credit card linked to me that I don’t own and have no knowledge of. The card has $757 spent on it out of a 750 credit limit. It’s a discover card, so I call discover immediately and report it. They tell me a card does come up under my social security number with my name, but the email on the card is not mine and the address. The lady from discover tells me the email, and it’s my moms!!! The address is also the place she is residing at, but she doesn’t own the house it is a friends. The lady says they will open up an investigation and send something to a credit bureau to get it off my score. She also suggested filing a police report. My mom is an alcoholic, she also takes medication for anxiety depression and bipolar disorder. She lives with a friend because she is broke, has no job, and her house was foreclosed. She went bankrupt a couple years ago as well but I think the 7 years are up by now. Should I file the identity theft police report? I feel so horrible because she is my mom and obviously is not in the right head space. But I don’t know what more to do. I never really see her and avoid speaking to her. I wasn’t planning on saying anything to her about it, but I texted my brother, aunt, and grandma. My brother was quick to text my mom something about it. She texts me and says “do not file a report. I got you a credit card with a small amount for you to use”. Like what??? I had no knowledge of this card and it’s been open for two months and is maxed out!!! What do I do.
Submitted December 07, 2020 at 05:11PM by durbin99 https://ift.tt/2IpTfb9
