- November 1, 2023
- Posted by: legaleseblogger
- Category: Related News
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Title: Discovering My Mother’s Fraudulent Delinquency: Seeking Guidance and Rebuilding Credit
Introduction:
Recently, I received shocking news that my own mother had opened a credit card in my name, allowed it to go delinquent, and significantly impacted my credit scoreÔÇöplummeting it from a respectable 700 to a troublesome 500. As I grapple with the betrayal inflicted upon me by someone I considered my best friend, I’m seeking advice on how to rectify the situation and restore my creditworthiness. In my pursuit for a resolution, I’ve come across an invaluable tool called AI Legalese Decoder that can potentially assist me in navigating this distressing predicament.
A Delicate Balance: Handling the Situation with Care:
While fully cognizant of the gravity of the situation, I would appreciate gentler advice when considering my next steps. After discovering the credit card fraud, I took swift action by contacting Citi to close the account. They are currently undertaking an investigation to address this matter through a dispute process, which is hopefully the first step towards reclaiming my financial stability. However, I am reaching out for guidance on how to ensure complete resolution, even if it involves assuming the financial burden myself.
Harnessing the Power of AI Legalese Decoder:
During my quest for solutions, I stumbled upon a potential game-changer: AI Legalese Decoder. This remarkable tool utilizes Artificial Intelligence (AI) to analyze complex legal jargon and simplify it into understandable language. With the aid of AI Legalese Decoder, I can decipher the intricate legal processes involved in resolving credit card fraud, empowering me to take informed actions and track progress with greater ease.
Immediate Steps: Filing Disputes and Credit Freezes:
To mitigate the damage caused by my mother’s actions, I have already started taking the necessary precautions. Upon learning of the fraudulent credit card, I promptly filed disputes with relevant authorities to contest the legitimacy of the charges. Additionally, I have placed a freeze on my credit reports with all three major bureaus, a measure recommended by AI Legalese Decoder, to safeguard against any further unauthorized activity.
The Road to Resolution:
As a fledgling in the world of credit management, this unexpected setback has left me feeling bewildered. I currently possess just one other credit card, a recently obtained Discover student card. I am eager to learn from others’ experiences and seek advice on how to navigate this tumultuous period. If you have encountered a similar situation or possess any insights to share, I would be immensely grateful for your input. The support and direction provided by fellow individuals who have encountered such obstacles can prove invaluable in my quest to regain financial stability.
Conclusion:
Discovering that my own mother had engaged in credit card fraud, resulting in a significant dent to my credit score, has been an emotionally devastating experience. In my pursuit of finding a resolution, I am cautiously exploring options and advice. Thanks to the assistance of AI Legalese Decoder, I now have a powerful tool at my disposal to interpret complex legalities, enabling me to make informed decisions as I traverse the path towards resolving this alarming situation. Your shared experiences and advice would be sincerely appreciated, as rebuilding my credit and navigating the aftermath of this betrayal will require immense strength and guidance. Thank you for your support and assistance in this challenging time.
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Title: AI Legalese Decoder: Unraveling Complex Legal Jargon for Enhanced Understanding and Efficiency
Introduction:
In today’s legal landscape, understanding the intricate language of contracts, statutes, and legal documents is crucial for lawyers, businesses, and even individuals. Oftentimes, these legal texts are laden with complex terminology and convoluted sentence structures, creating barriers to effective comprehension. However, with the emergence of AI Legalese Decoder, an innovative solution designed to simplify legal jargon, these challenges can be mitigated, enabling professionals to navigate the legal realm with more ease and proficiency.
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II. Enhancing Understanding through AI Legalese Decoder:
AI Legalese Decoder is an innovative technology that holds tremendous potential in unraveling the complexities of legal jargon. Combining natural language processing and machine learning algorithms, this tool can decode complex legal language into clear and concise terms, making it accessible to a wider audience. By simplifying the text and offering explanations for legal terms, phrases, and concepts, AI Legalese Decoder empowers users to grasp the essence of legal documents and contracts, and subsequently, make more informed decisions.
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AI Legalese Decoder can significantly enhance the efficiency of legal research by expediting the identification and analysis of relevant information. With its advanced algorithms, the decoder can quickly scan massive volumes of legal texts, pinpointing sections of interest and highlighting key provisions. This saves valuable time and effort for legal professionals, enabling them to conduct comprehensive research more efficiently and allocate their resources to other critical tasks.
IV. Democratizing Access to Legal Knowledge:
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V. Redefining Efficiency in Legal Practice:
The advent of AI Legalese Decoder transforms the efficiency of legal practice by automating processes that were traditionally time-consuming. By instantly deciphering complex legalese, lawyers can save considerable effort dedicated to manually dissecting legal texts. Furthermore, accurate and expedient understanding of contractual language can enhance negotiation strategies and minimize potential misinterpretations, streamlining the legal overall process.
Conclusion:
AI Legalese Decoder offers a groundbreaking solution to the challenges posed by complex legal jargon. With its ability to simplify legal texts, expedite legal research, democratize legal knowledge, and redefine efficiency in legal practice, this technology is poised to revolutionize the legal landscape. By empowering both legal professionals and the general public with enhanced understanding and efficient analysis, AI Legalese Decoder paves the way for greater transparency, accessibility, and effectiveness in the legal realm.
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****** just grabbed a
You either take the hit to your credit, pay it off, and accept it or you file a police report for identity theft and freeze your credit.
So uh momwhat the hell is this?
Your claim to have it reported as fraud and get it removed entails you likely being forced to report your mom for identity theft. You won’t get very far if you want to claim this wasn’t you, but you refuse to pursue action against the person who committed the fraud.
Otherwise, you pay it off, and you accept the hit to your credit and you wait for it to bounce back.
Harsh truth is she may be your best friend but you arenÔÇÖt hers. She committed fraud against you and the bank. Then she never bothered to tell you when she couldnÔÇÖt pay it. The next step would be to file a police report and send it to citi. It is not a dispute. It is fraud.
She committed fraud in your name. You need to put your emotions aside and do what’s best for your future.
Best friends don’t open up credit cards in your name. Think about that.
What she did has damaged your financial future and will take time and effort to get out of. The first step is filling a police report.
This is a bad sign, unfortunately. ItÔÇÖs a sign she has some serious money issues and also does not respect you. If it was me, I would probably giver her the chance to pay it off and apologize, but would be very guarded with her and let her know that if it happens again that you will report her. To continue the relationship she would have to understand how bad what she did is and offer you an explanation for why she thought it was ok and what has changed that she will never do it again. You should also start to be guarded with her about money, unfortunately.
you need to file a police report and freeze your credit. sorry.
Paying it won’t get it off your credit report. I think the only way you can do that is to file a police report that she committed fraud. But be aware if you do that, she will probably face criminal charges, so I don’t know if you want to do that.
Your mom is an abusive criminal, not your best friend.
Hmm. Your best friend in the world opened up a credit card in your name without letting you know ran up $2,800 in credit card bills, and let it lapse? Let me think about that.
Two options:
A: Pay it off and take the credit hit and wait for it to bounce back, which will probably take some time. Think years here.
B: File a police report for identity theft. This is the only way to get the information removed from your credit report.
Only you know how your mom will react to option B and what the repercussions are as far as your relationship and whether you want to keep that relationship.
I donÔÇÖt know the nuance here in terms of ÔÇ£whyÔÇØ did she do it? But, I will mention that option A will result in you looking like a doormat to your mom and she might try to do this again or take advantage of you financially in other ways. 200+ point drop is at least 90 days late so I think your mom knew exactly what was happening and made the conscious decision to not tell you. When a parent uses a childÔÇÖs credit it means theyÔÇÖve already screwed up their own. This shows a repeated pattern of bad financial habits and then using your credit also displays a propensity to acquire more by fraudulent means. Im not trying to be harsh here, but a lot of people have this idea that you have to excuse inexcusable behavior just because it came from family. IÔÇÖm just saying itÔÇÖs very difficult to be objective considering who did this to you. But in the end it is fraud, and it is identity theft, no questions asked. Now it is up to you to figure out how youÔÇÖre going to deal with it.
You will need to file a police report to have this removed from your credit file.
I’m not going to be harsh, but I will say, as a mom, that what she’s done means you need to set firm boundaries and be on guard. She broke your trust and put you in a bad situation. I don’t know her reasons, but her actions were illegal and very unfair to you. I’m confused as to why she didn’t take out a personal loan or even ask you for money if she needed it so badly.
Good luck to you, love, and good work being proactive.
Oh, and freeze your credit if you haven’t already.
Your mom committed fraud at your expense. As much as you love her she has proven that her current financial situation is more important than your future. A 200 point drop will take several years to fix if you don’t get this removed from your score. Unfortunately I believe that will take a police report.
ÔÇ£She is my best friend in the worldÔÇØ
Girl you need better friends because I can tell you none of my friends have ever stolen $2800 from me and ruined my ability to buy a car or rent an apartment. Even if your mom pays this one off, the damage is already done and sheÔÇÖs going to try and do it again in the future.
If you want your credit score restored, you need to claim this was fraud/identity theft and go to the police
If you still think sheÔÇÖs your best friend, then you NEED to listen to the harsh comments. Yikes.
The only way to get the late payment off your credit report is if you are willing to report your mom to the police for identity theft. Closing the account, paying it, will stop it from doing further damage, but won’t completely erase the damage that has already been done. I’m sorry that it really sucks that those are two terrible options.
I’m going to say something that isn’t going to be popular.
Talk to your mother about self reporting her crime against you. If she’s unwilling to take that responsibility, you ought to report her yourself.
This isn’t a small problem. This is a major problem. She had no intention of paying that debt until you confronted her. There is no world in which she thought you wouldn’t need to deal with it. I’m not certain how she thought she wouldn’t need to, but by letting it go, she obviously didn’t intend to.
She tried stealing from you – did, if we count the Identity. That hit to your credit doesn’t go away with the payment of the debt. That makes it hard for you to get a credit card, car loan, or house
It can also impact your insurance premiums, ability to find housing to rent, and employment. These tend to be higher end problems that young people don’t need to worry about.
Make her face punishment, if only to save you the trouble she’s caused. If she’s proactive she won’t see jail, unless she’s already got a history. If she does, congrats, you’re just another victim.
This was intentional crime against you. She meant to do you harm. That’s not love and it’s not deserving of your forgiveness if she’s not willing to take it all back – and the only way to clear your name is dirty hers.
Falling to do this will set you up for more of this.
I would be just as worried that she would do it again. Because why wouldn’t she?
Go to all the credit agencies and freeze your credit. Do not share any new information (passwords, etc.,) with your mom. Parents shouldn’t do this; I’m so sorry.
What everyone else has been saying is mostly correct. I just am going to point out that the credit card company will want to see a copy of the police report that you filed. ItÔÇÖs not a requirement that she actually be charged with anything. In fact, thereÔÇÖs no guarantee that she will be charged.
People have this idea that the police are highly effective and always do a through investigation, complete with severe charges for all the criminals involved. In reality, most crime isnÔÇÖt reported, and fewer crimes are actually prosecuted. ItÔÇÖs entirely possible that the police look at this and say that prosecuting your mom over less than $3k is not worth it.
Like I said before, you just need the police report. Whatever happens next isnÔÇÖt your problem – but just know that the police are not inclined to put much of any effort into an investigation over $3k.
As someone who took a loan out in my name for my mother, only to have her take 7 years to pay it off. After this, she had the audacity to ask for a 10k loan right after paying the previous loan off. Sometimes family just use you for their benefit. It’s sad, but that’s a reality.
This literally, almost down to the dollar amount, happened to me when I was in my early twenties a decade and a half ago. My (single)mom paid some of it, but you can’t squeeze blood from a stone. I think it took she and I two or three years to pay it off.
It hobbled me financially which held me back immensely. I could not afford my own car until I was twenty seven . I didn’t move out until I was mid thirties.
She died when I was thirty three and I was left to manage her estate. There was only an estate because her uncle had died leaving her inheritance. In addition to medical bills, she had credit card debt, and my personal favorite financial secret of hers – She had a payday loan against the title of a car she had given to my cousin. Her estate paid $6,000 so he could keep driving a 2001 Honda Civic with 200,000 miles on it.
It turns out my “best friend” also lied to me about my paternity until the day she died. After 4 years without her I felt comfortable reaching out to the dude she told me was my father to see what my paternal health history was. That dude’s daughter ended up telling me my father was actually a totally different guy. Everyone but me knew the truth because my “best friend” told my father and everyone else he would be a part of my life over her dead body.
So what I’m trying to say is you should probably gently prod into how deep your mother’s deception runs because 8f she was able to financially abuse you so easily, it’s possible she is deceptive in other areas.
Since it sounds like you don’t want to file a police report I doubt Citi will do anything so you have limited options but should do the following:
1. Freeze your credit with all through credit agencies
2. Realize “friends” don’t take out debt in your name and social security number – that is criminal behavior so re-evaluate your relationship with you mom.
3. Pay off the debt yourself – don’t count on your mom doing it like she said she would – if it is that easy for her to pay it off why didn’t she? You only do something like this if you are desperate and already have serious financial issues.
4. Tell your mom she now owes you the money and demand she start making payments if she can’t pay it off all at once.
5. Take action to rebuild your credit but realize this will stay on your record for years.
6. Be aware this may hurt you when you apply for an apartment lease, buy or lease a car, apply for auto insurance and many other aspects of your life.
You need to go to the police and file a report. Make sure to freeze your credit too. If not, you are looking at 7 years of it being on your credit report, not to mention the credit card company getting a judgement against you and taking your earnings/savings.
Please also consider going to therapy about this since your mother has severely broken your trust.
>She is my best friend in the world
Your best friend just committed fraud in your name that could wreak your financial life for years. You don’t understand the scope after all.
Make a police report about it, from what I understand, that is the ONLY way to get the account off YOUR record. Make sure your credit is frozen, so she can’t do it again.
Your ÔÇ£best friendÔÇØ committed a crime and placed you as the fall guy.
Low bar.
You will probably need a police report to prove that it was fraud. Otherwise Citi has no proof that it wasn’t you who opened the account.
If you don’t want to do that, then probably nothing. Hope that your mom doesn’t steal your identity again.
You’re best friend put you in a hole for $2800. Sounds like a one-sided relationship. A charge of fraud and identity theft would balance the relationship. As a parent myself, what she did is disgusting.
You canÔÇÖt get your credit score back without filing fraud/identity theft against your mom.
Only choice is to pay it back and slowly work your way back up.
Without a police report, you agreed for this to occur.
Besides the good advice of filing a police report and freezing your credit with the 3 bureaus, you need to change the answers to your security questions.
For example, for motherÔÇÖs maiden name, you could use 29bananas. Things your mom wouldnÔÇÖt know. The banks donÔÇÖt care as long as you provide the correct answer.
She is ~~my best friend in the world~~ an identity fraudster and I honestly cannot believe ~~this happened~~ she did that to her own daughter. IÔÇÖm fully aware ~~of the scope of this and how severe it is~~ that this is going to cost me thousands of dollars in various interest rates and other financial repercussions both now and in the future, but please spare me with harsh advice (this is still my mom).
You can request a new SSN number. Have it sent to a PO Box or something so your bestie can’t get her hands on it again.
>IÔÇÖm fully aware of the scope of this and how severe it is, but please spare me with harsh advice (this is still my mom).
You can still love someone and protect your interests despite their shortcomings,
It’s great that you and you mother have a great relationship. Just be lucid & logical when it comes to money coming in to the mix with her. Never co-sign loans with her, lend her money you can’t afford to give, discuss your finances with her, etc. You get the picture. Use common sense and caution at all times.
My dad who I love dearly is a bad money manager too. He emptied my savings account when I was a child and although I’ve forgiven him, I’ve never forgotten and act accordingly. He’s also made some bad decisions more recently which jeopardized both himself & Mom.
So now I take my precautions. For example, I bought a wheelchair accessible van to transport my mother. Wanting to get dad’s better rate of auto insurance, I put [Dad’s Name] AND [My Name] on the title as owners of the vehicle so he cannot sell it without my signature.
Fool me once, shame on you. Fool me twice…
I don’t think you’re going to be able to dispute that with your credit card company without prosecuting the offender.
You are not talking about a single item bought online under sketchy circumstances.
Too bad mom doesn’t care about the relationship as much as you do. Ruining a child’s financial credit and life on purpose is something special. My condolences.
If it was my mother, I absolutely would focus on clearing my credit rather than keeping my mom out of trouble. You are not responsible for what your mother has chosen to do. You do the right thing and let the cards fall where they fall.
Opening a dispute against the charges, but then refusing to allow the credit card’s fraud department from perusing your mother legally is not going to work in your favour. As someone who has worked closely with these departments in the past, attempting to dispute and then interfering with that investigation to protect your mother or prevent legal consequences from illegally obtaining credit through identity theft, which is what your mother did, can bite you in the ass.
Your best course of action is to pay off the credit card and work towards improving your FICO normally. It will take time and that blemish will stick around for a while, but that’s the consequence you’re accepting if you don’t allow the investigation to absolve you of any wrongdoing.
You may consider your mom your “best friend in the world” but I hope you realize that she doesn’t see you the same way.
Your mom is willing to steal from you and ruin your financial security. Letting her get away with it is enabling her down this path of self destruction. File a police report. Protect yourself. Have her face the consequences of her actions before she does worse things and gets in more serious trouble. She does not have your best interest at heart and you are not helping her by allowing her to steal from you and hurt your ability to buy a house in the future.
My family has a mom who does this-
Freezing credit- def.
Maybe make social security aware that your SSN has been compromised- http://www.ssa.gov
If you get a new SSN, maybe donÔÇÖt share it with your mom or anyone?
Mom seems unable to prioritize your well-being over the demands of her inner demons.
I get that sheÔÇÖs still your mom, but this is fraud- disrespectful, dishonest, illegal.
ItÔÇÖs only $2800 now
It could be much worse, and more damaging in the future.
Good luck.
I’ll be kind because I have a mom who, although she never opened a card in my name, is very, very bad with money, and has a toxic relationship with it.
If that’s also your mom, and this incident was just a symptom of that, she needs to go to some financial literacy classes, therapy to work out those emotional issues tied to money. and help you pay it off. She needs to know this wasn’t OK even if you’re not going to bust her for fraud. Normal people don’t do that, she needs help of some kind.
You may find these links helpful:
– [Identity Theft Guide](/r/personalfinance/wiki/identity_theft)
– [Credit-related wiki pages](/r/personalfinance/wiki/index#wiki_credit)
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If you want it off your credit report you will need to report this as a crime. Your mom will probably face some prison time.
Police report asap. You don’t want to wait until she fails to pay off the debt 30 days from now. This is the only way to clear your name and restore your credit. Best friend or not you have way more decades on this earth and have to think about you.
This happened to me with my parents but it was a much larger amount. I just ignored it until it went away and didnt talk to my parents for seven years. It’s probably one of the worst strats you can take. I don’t drive and I rented my whole life and my parents told me my whole life not to get credit cards because I’ll end up in a lot of debt and I wonder if they just groomed me to be adverse to them. I always rented rooms in houses and not apartments. I didn’t realize how much it’d limit my life to have 300 credit but it sucked when I could afford my own apartment but had a hard time getting one with such shitty credit. I kinda wish I just reported them for identity theft especially since I didn’t even have a relationship with them for a very long time. It was one of the most hurtful things someone ever did to me and I still couldn’t hurt them back.
​
Edit: Also if you want your own tax return make sure she is not claiming you as a dependent if you aren’t anymore