fil has messed up dh's credit!

[inkedmamajama]

so my husband and i are trying to repair our credit standings, and he has been going over his credit report with the people at his credit union-and he found some things on his report that are not him and we know are his dad. most of them are either things you order over the tv or mail in offers for book clubs and what nots. it seems his dad ran things up in his son's name and kept the goods, but of course never paid the bills. these things are all now in collections and looking really bad on his credit reports.

does he simply dispute them, or does he rat out his dad? does he have to rat out his dad in order to dispute them? im not saying we want to protect his dad, we dont-we are both disgusted that he did this-but neither one of us is actually surprised.

just wondering how to proceed.

[Denvergirlie]

You can pay the charges in collections or you can report your FIL to the police for idenity theft.

Either way you should consider locking both of your credit reports.

[sanguine_speed]

Did the billing address for these accounts get changed? Wouldn't the bill have come to your house?

I think it's important to hold him responsible, or this will happen again.

[grniys]

I suggest contacting all three credit bureaus and getting put on fraud alert. Dispute the charges. And yes, rat out his dad. He didn't give you guys the courtesy of not screwing up his son's credit.