The long game

By Lost - This FML is from back in 2009 but it's good stuff - United States

Today, I got rejected for approximately the tenth credit card I've applied for, so I called a bank to find out why. Apparently I took out a car loan in 2004 and bought a house in 2006. I was 13 in 2004. The credit report does not have any records of this. Thank you identity theft. FML
I agree, your life sucks 53 138
You deserved it 2 710
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Top comments

lizzzie_fml 0

I don't know how it works in New York, but here each rejection costs you credit points, so you haven't been doing yourself any favours by applying so often. Then again, Identity Theft sucks, FYL

64 1
LadyKaya 0

Well, I'm sure if you tell them your age and prove it, they'll fix it...but hey, that still sucks.

52 1

Comments

Badash28 0

That sucks, shit I would go and find that house and be like well looks like I own a house now :) and kick that ****** out living in it who stole my identity. This is kind of like my friends dad he uses his childrens socials to get loans and buy homes and rent them out and they didnt know this until they went to get loans and have horrible credit and cant get anything now. Sucks! good luck

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DeadMansCrack 4

Wait, why would you have a credit card if you were 13? Oh well though, that does suck.

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ooshrooms 1

If someone took out a mortgage on a house in your name it should be pretty easy to find him/her. Go there with the police and have everyone arrested for trespassing. Ether the thief lives there or the tenants will roll over on their landlord quickly. The thief gets punished, and you get your history cleared.

0 0
zuli_fml 0

It's not necessarily too young for a credit card if they're just trying to build credit and not abusing it. Buy a stick of gum or a small amount of groceries or gas with the card, pay it off immediately, and bam, good credit.

3 0
TheSMSYguys 0

Wow, That Sucks. **** you trolls. Sorry about your credit score!

0 0
Naxield 0

thats why u should always have a DEBIT card, no debts....

0 2
asdfjkl1234567 0

ydi for thinking you need a credit card at 17/18. spoiled little bitch...

1 4
sobe23 0

You don't have to be spoiled to have a credit card at that young! geez!! He needs to build credit!

1 0
FerrariCake 2

All right, I'll do it: You should have gone to freeeeeeeeee credit report dot com, You would have seen it comin' at you like at atom bomb. They monitor your credit and give you email alerts, So you don't end up... well, you know... posting crap like this on FML.

2 1
nerdking21 10

It's, "Well I married my dream girl I married my dream girl But she didn't tell me her credit was bad So now instead of living in a pleasant suburb We're living in the basement at her mom and dad's. No we can't get a loan For a respectable home Just because my girl defaulted on an old credit card If we'd gone to free credit report dot com I'd be a happy bachelor with a dog and a yard." or... Well I was shopping for a new car, which one's me – A cool convertible or an SUV? Too bad I didn't know my credit was whack 'Cause now I'm driving off the lot in a used sub-compact. F-R-E-E, that spells free- Credit report dot com, baby Saw their ads on my TV Thought about going but was too lazy Now instead of looking fly and rollin' phat My legs are sticking to the vinyl and my posse's getting Laughed at or... They say a man should always dress For the job he wants, so Why'm I dressed up like a pirate In this restaurant? It's all because some hacker Stole my identity Now I'm in here every evening Serving chowder and iced tea Shoulda gone to: Free credit report dot com Yee-haa! I coulda seen this coming at me like an atom bomb They monitor your credit and send you email alerts So you don't end up selling fish to tourists in T-shirts or... I was getting depressed 'cause of all the stress I was feeling at home Had a poor credit score and the number would haunt me wherever I'd go Thought I'd move to a place where my credit could stink and nobody would care I just wish that somebody had told me that place was a Renaissance Fair! Free Credit Report dot com! Tell your friends, tell your dad, tell you mom! Never mind, they've been singing our songs Since we first showed up with our pirate hats on! If you're not into fake sword fights Pointy slippers and green wool tights Take a trip from a knight who knows Free Credit Report dot com, let's go! or... Check it out, gas prices blowing up sky high – Ditched my used subcompact for a two-wheeled ride – Now I'm rolling eco-friendly but I still look bad When the bike store saw my credit they said this was all they had F to the R to the E to the E to the C to the R to the E D I T RE to P O R T to the DOT to the COM Come on everybody grab your bike and sing along, it's easy – or... When you're a rock star You get to party hard Champagne and caviar Tricked-out exotic cars It's just how I thought it'd be 'cept the party's not for me 'Cause some punk opened a credit card with my ID Free What? (free credit!) report dot com (I said it!) That's the site I'm gonna hit when I go home They know how credit works They send email alerts Now I'm finding out how bad reality hurts take your pick

1 1
FerrariCake 2

For those of you who are having trouble understanding identity theft... most identity thieves do not use your entire profile to gain credit. All they use is your name and social security number. Why? Because that is all the info necessary to pull a credit report and all the info necessary for the banks to report to credit agencies. It happens to minors all the time because (1) they have no bad credit on their records and (2) they don't make a habit of checking their credit reports. So an ID thief creates a fake ID using the minor's name. And they have the minor's soc sec number. And they apply for credit. They take the money or stuff and disappear. The creditor then simply reports the bad debt to a credit reporting agency under the person's name and SS number. The creditor does not submit a complete profile (age, height, weight, hair color) of the person. So years later, when the victim is now an adult they apply for credit. Their credit file shows bad debts simply because they were reported under their name and SS number. That's it. It can be cleared up, but it's a pain in the ass. In the meantime, any stuff the people bought years ago (house, car, etc) is long gone. They sell it and disappear. The more you know...

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magicsparrow 0

Sorry, but you can't buy a house that easily. Unless dude paid cash -- but then he wouldn't need a loan would he? Again, most likely the parents did this.

0 1