I know it must be a tough situation, but thats the kinda mother that will be at Jerry Springer or something. Not ruining the relationship woul dbe the last thing I would be worried about. Hope you guys can work it out.


Now, I dont want to hijack the thread, but Im gonna use it to ask something I dont understand about the whole credit system in the US.

I keep seeing news, investigations, interviews, stories, etc about identity theft and the obvious stolen credit. It really sucks, but theres something I dont quite get.

Why, after there's already been proved that someone stole your identity and got credit card with your name, you dont get your credit fixed?, if its already known who did it and how, so its has been proved, why do you keep your negative credit if it wasnt your fault?

The onyl way she could move the debt to herself is to take out a loan somewhere and use it to pay off your fiance's debt.

But he will still be stuck with the bad ratings accumulated since then.

To reiterate what others are saying. Unless you want to charge her with Fraud, you have to eat the consequences.

__________________
Czar of the 26th Ward.

You don't. Negative credit gets removed if successfully disputed. The problem in this scenario is, they know who committed the fraud, so they would throw her in jail if they reported it to get ti removed.

__________________
Czar of the 26th Ward.

This does scare me. If she isn't able to open up utilities/credit in her name or his name now, what is stopping her from using her other son's identity.

I think when they talk he will have to threathen legal action if she doesn't pay it off. I doubt she can get approved for a loan to repay it completely, but the best solution sounds like signing some type of contract where she is giving him monthly payments and he pays the bills. I do think if she doesn't agree to this, he might be willing to press charges. It's really sad. I've been doing some research on identity theft and the cases where it is done by a family member are higher than I would have thought. It's hard to understand how someone can do that to someone they care about.

Your husband's brother needs to go to the credit bureau's and file a fraud alert.

https://www.experian.com/consumer/ca...=SECURITYALERT

The above link is from Experian but all 3 major bureau's allow this. Note that there is an option for active military that will add controls to deter others from opening up credit in someone's name.

Any way, the other son needs to do this for his credit reports, as well as your fiance on his to help prevent further accounts from opening.

Also, www.creditboards.com is an excellent source for information that might help your fiance clean up this mess a little easier. good luck.