Hello all! Apologies if this has been answered recently. I tried to do a search but I'm a little frazzled.
Recently I opened my first credit card ever. When I was attempting to register my account online it kept returning the last four digits of a card that did not match mine. I called MasterCard and they told me I had another MasterCard that had been opened in 2009. I explained that I had never had a credit card before and they were more than helpful with removing the card from my account and reporting to my credit that it was not my debt. I thought about it after I hung up and suspected my ex-boyfriend might have opened it. Before we started dating he was in prison for writing bad checks and other fraud. We dated for 6yrs. I know, I'm an idiot. Please spare the lecture I totally hate myself for giving this con-artist a chance.
Today I signed up for freecreditreport.com to check in on my excellent track record of paying my first credit card off each month when lo and behold, I have a credit card in my name with a delinquent balance of $939, opened April 2014. Says the creditor is World Financial Network National Bank? I have never heard of this company. I want to kick myself again because I should have been keeping up with this but as far as I knew, I did not have ANY credit aside from my lonely MasterCard opened December 2016.
Reddit, what do I do? I have read so many conflicting things that has me afraid to call World Financial Network National Bank to even inquire about the card because if I acknowledge it, I'm responsible? I am lost. I was trying to build credit and feel like I'm starting a mile behind the starting line because of a bad romantic decision. What steps should I take to clear this up? Do I have any hope? Thank you.
EDIT: I suspect my exbf because when I told my Dad about this, he said that in 2009 someone kept trying to set up automatic drafts from his bank account which happened to be at the same bank my ex worked at before he went to prison. He was still seeing the daughter of the president of that bank while we were together.
Submitted July 12, 2017 at 11:05AM by WhatWasIThinking06 http://ift.tt/2te8Qgj
