So, I'm 21 years old and when I was 18 and went to try to get a car I had to have my credit ran. When it should have come up with nothing, a $400.00 Sprint bill came up. I was floored, I never had a cell phone in my name, and I had just turned 18!
I called Sprint and asked about the account, it was from and I was 16 years old. I informed them that I never had an account with them and that I was 16 at the time this account was opened. They actually apologized and said that they would take care of the charges. I was fine with that answer and went along my way. I was 18; I thought that was just fine.
I kept in mind that the year previous to the account being opened I had lost my wallet containing my Social Security card. I have proof that I ordered a new one around that time. It was also the same year I filed income tax for the first time and was claimed by someone that was not my parent. So it all kind of made some sense. Whoever got my wallet, not only got some cash, but extra tax money and a free phone.
In I bought my first home, of course my credit was run before I would be issued a mortgage and nothing of this account was on my credit.in I received a letter from NCO financial at my new address about this account.
I immediately called in panic and rage. I explained everything to them and they basically said too bad. My options, according to them, are either pay it of it will be one your credit for the next 7 years or press charges on whoever used your identity. Well, I defiantly would have pressed charges years ago had I known who did it. She gave me a hard time, even after I told her she was trying to collect a debt from someone who had been 16 at the time!
I told her to no longer contact me that I would be getting a lawyer. They continue to call me time and time again. I've told them to stop verbally and via fax.
Had I known now what I knew at 16, this may have gone differently, and I wouldn't be dealing with it now because I would've already had them in court.
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