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Bern0

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18 years old... credit fraud on dad?
im only 18 and i oh 8k to a electric bill..my credit is horrible my father lies every time... i dont know what to do... do i contact the collection agency involved >

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First, got to annualcreditreport.com and get copies of your credit reports.  Likely you don't have any at your young age.  If there is a credit report and you do not currently have any credit accounts, file a dispute with the credit bureau reporting same.  If your first name is the same as your father's (even if your middle name is different) or you are a "Jr" or other numerical descendent, you may have to make sure you check your credit reports every year to be sure things stay straight.  Errors are not uncommon with credit reports, belileve me.

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If the debt was incurred before you were eighteen years old, dispute the account with the credit bureaus on the grounds that you were a minor at the time of the active account. The three credit bureaus are Transunion, Equifax and Experian and they all have websites with instructions on how to dispute. I would report to them that it is not your account and that you were a minor at the time of service, I would not offer them any more information beyond that (don't say anything about you suspecting your dad of using your social). You should probably place a freeze on your credit, so this doesn't happen any more. You can do some research on how to do that.

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