Oregon Mortgages

My Client is a Victim…

…..Of Identity theft! Ironically I am currently writing up a multiple piece blog about Identity Theft. I had a past client call me last night (He happens to be a friend of the family) He wants to refinance one of his properties to consolidate some debt.

Note: This is the 2nd case I’ve whitnessed in the last 12 months.

Unfortunately he is divorced and currently in legal battles with his ex wife and it has been draining his money. He is a fantastic father and I really feel bad for his situation. During our conversation he mentions that his ex wife opened up a credit card using his social security number and he’s having trouble getting it shut down.

Well I call him back this morning after I get a chance to pull his credit, naturally, his credit scores have taken a terrible fall and he is unable to secure a loan to consolidate those bills. I went over his report with him and it seems that she has been abusing his credit.

We promptly filed an Identity Theft complaint as well as put a credit freeze on his credit. Unfortunately the damage is done and we can only try to slow the bleeding at this point. I informed him to get the paperwork from the credit union in regards to the credit card that was opened. To sum it up if he hasn’t signed any papers we’ll be consulting his attorney and he’ll file legal actions against his ex wife (on a number of FELONIES at this point) as well as the institutions that have allowed her to use his social to open these accounts.

Accounts that have been opened:

• Credit Card
• Les Schwab Tires
• Dish Network
• Medical Bills

I really feel bad for this person, I suppose even more since he is a friend of the family, but he takes it with a very high chin and I’m impressed. Needless to say this is just ANOTHER reason why you should monitor your credit on a regular basis.

Please stay tuned for my blog about Indenity theft with some information on what to do if you’ve become a victim, how to prevent it, disputing inaccurate information on your credit and more.

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