top secret backround

Replies to This Discussion

Permalink Reply by Brenda, aka Sailor Moon on September 27, 2009 at 7:58am

Go through an agency that can help you with that debt and possibly have them have them erase the debt. Sometimes they have mercy on some. I think it is worth a try.

Permalink Reply by David Perschbacher on October 12, 2009 at 12:03pm

Most of the time if you have a past due bill they will look at what you are doing to take care of the debt, are you communicating with the creditor, making monthly payments, etc. before passing judgement.

Permalink Reply by John A. Bohn on November 11, 2009 at 12:59pm

Write a letter to the creditor demanding a copy of the paperwork that established the loan/credit line. State that you were only 10 at the time, a minor. Demand that the error be corrected.

Permalink Reply by David R on November 11, 2009 at 1:55pm

First off, I know of NO state in the U.S in which any contract signed by a 10 yr old is legally binding in any court or legal proceeding. I would first contact the credit reporting companies and get a free copy of your credit report (I believe you are allowed 1 freebie a year), once you you have the report in hand, contact the company that submitted the entry and demand the documentation to support their claim (they have a limted time to either provide you with the requested information or pull the entry), the next step is to file an identity theft report with the law enforcement agency in your area, providing them with the copies of information provided to you. Lastly, I would make sure your recruiter as copies of all the above paperwork, so it is a part of your file. If the FBI (they do the background checks) has the information upfront, and it is plainly a case of identity theft, it should not be held against you.

Permalink Reply by MarkM on December 10, 2009 at 10:01pm

Just notify the credit bureau and tell them you were a minor and the debt couldn't possibly be yours. You are not bound for anything before you turn 18.