Throwaway because of the obvious
I've taken personal finance courses at my school (one of the best classes I've taken, and I've been a long time lurker here of PF), so I've learned about fraud and credit, of course.
A few weeks back I was grabbing the mail, and saw my name on a utility bill. I know my mom has abysmal credit and is not very good with her money, (not that I can blame her entirely, but that's a story for a different time) so I have assumed the worst: she has used credit in my name in order to pay bills she otherwise would be unable to.
In all honesty, she is very belligerent in nature, so I try to stay out of her way for the most part, but this is my credit and future we are talking about.
I did not want to accuse her without warrant though, because maybe she just committed a little bit of fraud, not a lot of fraud, so I went to the credit unions to check my history, which should be non existent from what I have learned.
I had no idea I have to be 18 to check my history, and I am 17, so I am unable to do so without her consent, which is obviously an issue.
So yesterday I went ahead and pulled her aside to somewhere private, and, I very kindly asked her about the bill and why my name was on it, and if she had used credit in my name before.
That was a mistake, apparently.
She became very hostile, asking me if I had water to shower with, a roof over my head, and said "Fuck your credit", essentially. She then proceeded to blame it on me, and the money she has to spend on me and school, which obviously is pretty messed up, (I've offered to get a job before, she refuses vehemently on the grounds that I need to focus on school, which is hard when I don't have access to basic supplies, but again, a story for a different time).
I have to apply for a credit card and possibly student loans, housing, bank accounts, and a multitude of other things soon as I intend to go to University, I grew up wanting and have a lust for a bright financial future.
I know that when it comes time, I can send a report to the credit bureaus to remove the false charges in order to fix my credit, but when they inevitably tell me they are valid, I will have to file a police report and make my mother a felon in order to repair my credit.
Advice on the whole situation please? I'm not even an adult and I have to deal with this stuff, any form of counsel will be read and appreciated dearly.
If there are any questions I need to answer feel free to ask them.
Thanks!
Submitted June 09, 2017 at 10:10AM by throwaway2637382 http://ift.tt/2t2pv6N
