[‎‎‎USER]

Sorry for not entirely on topic, but not sure where else to ask. We don’t come from financially savvy families/circles.

My partner’s mail has been piling up and he finally opened it all, and he has a dozen rejection letters for credit cards, checking accounts, and one personal loan all dated 4/26-5/9. He applied for none of these.

Most were rejected because they could not confirm his identity, and several were rejected due to excess recent inquiries.

What steps does he need to take? Freeze credit? Police report? Change bank passwords?

Ignore it and hope the problem goes away because nothing seems to have happened in a month’s time?

In case anyone is inclined to ask, we live together and are not married, so I don’t believe I can do anything personally (?)

[Scott]

If you freeze the credit reports I don’t think you can still use credit karma (can someone correct me if I’m wrong) – but you should still be able to view the report information on each of the 3 bureaus websites where you file the disputes.

[Michelle]

He definitely needs to take action now. Check insurance policies. My homeowners includes an identity theft protection.

They provide help with this.

[Roxanne]

He’s a victim of identity theft. Start by freezing credit with all three bureaus (it’s free), then make a police report. He will have to dispute all the inaccurate information on his credit reports.

Look verey carefully after the credit reports from all three bureaus, plus sign up on Credit Karma and look there as well, at any and all open accounts or hard inquiries.

His credit is at least somewhat destroyed at this point and will take 3 years for the hard inquiries to fall off, but he can get his score back up somewhat after the disputes are completed and some of the information is removed from his credit file.

– victim of identity theft by someone I knew. I was able to get my score back up almost to where it was, but dealt with a lot of mess for months after.

He’s STILL going through criminal court two years later! It’s a long process!

He has 5 felony charges (2 in which I was the victim but there are two other victims).

[Sarah]

Change passwords today.
Get a copy of his credit report.

Contact Experian or Transunion and find out if any of charges were made and if so, on which cards.

They may tell him to get a police report.
Freeze credit.

[Sheila]

Happened to me – definitely first item freeze credit with the three main credit bureaus and report it to each store/ institution he received the letters from.

[Barry]

Contact each credit bureau: Experian, and so forth, and get a copy of credit report. Then flag suspicious activity with all three credit bureaus and put a freeze on all.

You can file police reports but wait to see if he is on the hook for any debt.

If you are not married it is not your problem technically.

[Author]

Posts