Identity theft and credit damage.
By Steve Bucci – Bankrate.com
I just checked my credit report and found my wife opened an account using my name and information. I have never used this account. I didn’t apply for this credit. Now the account is delinquent. In your opinion, what is the best way to go about fixing my credit? I look forward to your advice.
— ShockedRead more: Hubby unmasks wifes secret credit affair http://www.bankrate.com/finance/debt/help-i-m-a-victim-of-id-theft-by-my-wife.aspx#ixzz1LGdqk6qN
NZ has a law to prevent this and you should contact the police no matter who it is as its a deficit on you. Never good to have a person with your detriment at heart. Its called fraud.
Secondly make the bank aware. If it is not your signature they will have a hard time proving it is. Ask them to comapare it to your signature on file.
Under the Credit Contracts and Consumer Finance Act 2003 the compnay providing credit has to notify you of changes in your credit. Somewhere along the line your mail was being intercepted. Another police matter.
The bank really has nothing to go back on unless they can 100% prove it was you. Your credit history maybe a different story…
Comment by MO — Tue 10th May 2011 @ 3:46 pm