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| *Loan,banking and credit>>>credit report |
If you were a minor (15-17) and lied to obtain credit, can you dispute it and get it removed from your report? |
Ok...I must admit. I was young and dumb. I received a credit card when I was 15 very easily over the phone by lying about my age. They even called me! Og course, knowing nothing about credit I did what a 15,16 year old would do - shop. Now at 22 me and my lying has hurt my credit score. It didn't matter to me then but now I have graduate and trying to establish myself. Credit is essential in this process! I was going to dispute this stating that at the time of the contractual agreement I was a minor and it was the cc company's responsibility to verify that my SSN and birth date matched. I read this in a credit forum. Is this true and does it work? Have anyone ever done this? I will never do this sh*t again. I feel depressed and embarrased about my score when I try to obtain credit or a loan now. I need some serious advice. Thanks. Lets start by ignoring the previous answers....another great collection of people who don't have a clue. The key is when you stopped using this card. If you used it after you turned 18, then you are going to be stuck with the debt, and stuck with the credit report. Sorry, I've seen this same thing before. If you quit using it prior to 18, you can dispute this. You will have a bit more trouble getting it done but you can do it. Start be getting the debt validated in order to get records of the contract and bills, and when the debt was charged off. Present this, along with proof of your age, and that will clear it up. But like I said, the key is if you used the card as an adult. If so you will not be able to get around it. You need to call the credit company and explain this to them , but it sounds like your credit is going to be in bad shape for 10 years. I think that is how long it is before credit info is taken off your credit history. good luck man, bad credit is a b***h. bad credit stays on record for 7 years. Seems like that incident will clear itself very soon. In the mean time suck it up. I did the same thing when I was 16 and said I made $100,000 a year. I've always paid my bills on time and never got into trouble. I'm 25 now and I've got a $15,000 credit line. I don't see why they would be upset unless you were delinquent on payments. well you have to be careful here i think. a slippery sloap. what you committed was fraud. and depending on the company you defrauded they may seek damages. i realize you were a minor but i'm not sure if you carried on this activity after you reached your majority. honestly, it might be in your best interest to seek legal help. try one of those free legal hotlines first and yes you must let the companies know in order to have the bad credit removed. another method you mgiht try is to contact the reporting agencies and show proof of birth and social security and state your current age and a statement of how could this be when you were a minor while these supposed charges were made. they would then contact the company in question and it's up to the company to dispute or whatever...but again there is the fraud part. good luck! Well what you did was commit fraud and if admitting it could be prosecuted for it, especially now that you are an adult. If you dispute is the fact will come out and be worse then just letting it fall off. you are absolutely not liable to pay off any credit card debt made as a minor. it is the business' obligation to check out to see if your birthday matches your SS number. if they dont and give you a credit card it fall's on them. this is what you'll need to do get copy's of all credit report's. well just go to this site |
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