Major Financial Issue

[ST8MENT]

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I've been talking to financial aid people, banks, and lawyers about this but no one seems to be able to help. Wondering if anyone on here knows of what to do.

2008- My mother had her purse stolen out of the lawyers office (I am 18 at this point, just graduating high school) My social was in there.

2011- I find out someone opened a fraudulent credit card account in my name. I am being sued for default. I file all fraud papers, police report, affidavit the works. The case is dismissed (I win, woohoo)

2012 January I am finding out that the credit card is still on my credit report in default. I dispute. It comes back as still belonging to me. The credit card company forwards me to the attorneys that 'handle my account'. The attorneys say that its the credit card company that needs to fix it. I am very angry, and will not be able to afford my SMP and then medschool if I am ineligible for private loans.

Suggestions??

 

[DrMidlife]

will not be able to afford my SMP and then medschool if I am ineligible for private loans.

Private loans are a rotten way to finance SMP+MD. You get none of the support that comes with federal loans, and then when you get to residency the payment loads are unsustainable.

If you have a cosigner, then you can get the federal GradPlus loans (in addition to Staffords) which are credit sensitive, and then you can move forward with both SMP & med school.

If you're doing Tulane ACP or maybe Temple ACMS, then you have to do private loans, but otherwise borrow better.

Suggestions??

Regardless of what you do for school funding, you have to keep up the pressure to clear your record. Accept that it's your cross to bear. Be relentless but mostly polite, as long as it takes. Get a better attorney.

Best of luck to you.

 

[ST8MENT]

Well I don't have an attorney at all, I represented myself. I do not have any money to hire one. So, the aforementioned attorney was for the plaintiff.

Is there any grounds to sue if the account stays on my credit report?

 

[DrMidlife]

Well I don't have an attorney at all, I represented myself. I do not have any money to hire one. So, the aforementioned attorney was for the plaintiff.

Is there any grounds to sue if the account stays on my credit report?

Look for info on the google about people who have successfully overcome this situation. If you have to fight it yourself, find some mentors. Maybe there's a non-profit that can help, like Consumer Credit Counseling.

 

[ST8MENT]

I fouond some free legal service. I think they should be able to figure it out.