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hkdaycare502

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Mother used minor daughter.
So a mother used her daughter who is a minor to get all the bills in her name. She is almost 18 and doesn't know what to do. All the bills are unpaid and in collections. Her credit will be screwed before she even has a chance.

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This is FRAUD.

She has 2 options,

1)  leave it alone because she does not want to hurt her mom.

2) Pull her Free Credit Reports,  File a Police Report all all the accounts she did not open.   Send all that to each of the Credit Bureaus,   Freeze her Accounts until they are cleaned up.   Have her tell her mom what she is doing.  What her mom did is wrong and She knew it when she did it.  She might want to talk with a lawyer also.   She might have to do it all via Mail or Fax because of all the Fraud on the account.   This is a Mess.   

I say go with Option 2.  Her mom is scum and should be in Jail. 

DO NOT GO WITH ANY type of Credit Repair.

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If you can prove to the reporting CRA's the child was under 18 at the time of the reporting, dispute said items, show proof of age. The CRA's should delete said accounts.

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