Community Discussions
Explore the latest discussions and community conversations related to this domain.
Is credit in footer good for backlink & SEO? (ex: site made by xyz.com)
Main Post: Is credit in footer good for backlink & SEO? (ex: site made by xyz.com)
Top Comment: Yes, you can rank any website by footer links on alta vista.
PSA: Charizard ex Is The New Credit Farm
Main Post:
Just wanted to put this out there for everyone. Charizard ex is now the most efficient credit farm by far. ~2700 Credits for 600 Purple Crystals means you hit 5400 for the same cost as a single Shadow Rider Calyrex VMax deck. Further, most players who have joined in the past year, or join within the next few months, will likely have one of the basic Charizard ex decks from the game, meaning dupes are much easier to obtain. Credit goes to Trust Your Pilot for sharing the news on Twitter (X).
https://x.com/TrustYourPilot1/status/1857113198413095186
Top Comment: Since I've been getting the question a bunch: yes, the Charizard deck is a better value than Celebrations packs now.
AITA? My ex husband opened up credit cards in my name and our son's name. I'm withholding child support payments from him until after his trial.
Main Post:
My ex and I have a 19 year old and a 16 year old together. In January, he opened a credit card in my name and in the name of our 19 year old. I got an email alert saying a new credit card had been opened and I was able to have it canceled pretty quickly. My son wasn't so lucky and ended up with about $5000 of credit card debt. He didn't even know about it until August.
We both went to the cops and made reports. We gave them our evidence and I guess they pulled information from Chase. I can see pending charge in a public records search for identity theft. My son needed a car for college and couldn't qualify for one due to the credit card. I purchased him one and I'm now withholding child support payments and using them to pay for the car/insurance. I petitioned a judge for the arrangement and he never showed up to court to contest it. I was told withholding is alright, provided I make a full back payment if he isn't found guilty. I was also told if that was the case, I could file a civil suit against him and withhold pending the conclusion, with a full backpayment minus awards/costs at the end.
My husband now says that isn't fair. He only has our 16 year old 4-6 nights a month and he says he needs the money (~$750) for our other son. He also said it's not fair because I have an attorney and he doesnt.
This has been cleared with a judge, but he has been blowing up Facebook calling me a deadbeat. He's getting a surprising amount of supportive comments and I'm blocked from his page so I can't even share he stole his own sons identity.
AITA for what I'm doing? And is there anything else I should be doing?
Top Comment:
NTA, follow all that your attorney advised
Ex-GOP Congressman Rips Republicans Taking Credit for Funding They Opposed
Main Post: Ex-GOP Congressman Rips Republicans Taking Credit for Funding They Opposed
Top Comment: Illinois
My ex-girlfriend opened up 2 credit cards in my name after we broke up. She ran up about $7500 in debt mainly shopping at Nordstrom and Macys. Her current boyfriend is now threatening me.
Main Post:
I am NOT OOP, OOP is u/easynowsteven, account now suspended
Originally posted to r/CreditScore
My ex-girlfriend opened up 2 credit cards in my name after we broke up. She ran up about $7500 in debt mainly shopping at Nordstrom and Macys. Her current boyfriend is now threatening me.
Thanks to u/queenlegolas + u/Direct-Caterpillar77 for suggesting this BoRU
Trigger Warnings: identity theft, threats
Original Post (unddit): August 13, 2024
My ex and I broke up a little more than a year ago. We lived together for a couple of years and I know she would have had access to my financial information. When we broke up, I moved out of the house we were renting and I though I had everything of mine. Back in February when I was doing my taxes, I realized I could not find my folder with my previous years' tax returns anywhere. I assumed it got lost in the move and didn't think anything else of it.
Last Friday, I got served for a lawsuit to the tune of over $5000 for a defaulted credit card. When I went and actually pulled my credit, I saw that card had been defaulted since May and there was another one which had been closed since June for about $2500. Seeing as I had no knowledge about this, I immediately disputed both of the accounts on all three bureaus' websites.
I was able to talk with someone for one of the cards and they said it was opened in January, well after I had moved out of my old house, and the cards were sent there. I received the statements from the one card and it was probably 80% Nordstrom/Macys, two of the stores my ex loved shopping at. Pretty sure she was the one who opened the accounts, probably used my social security number from the old tax returns.
I called my ex about it and she denied everything, even when I told her that eventually, if she had anything shipped to the house using a stolen credit card, she's going to get found out. She flipped and started screaming at me saying I can't seriously accuse her of anything and to never talk to her again. About 20 minutes later I get a call from a blocked number, it was her boyfriend threatening to make my life a living hell unless I stopped "harassing" her by claiming she stole my identity. He hung up but I was shaken up about it. I can see he's got some serious felonies just by looking at the public records on the county website.
I'm kind of stuck here. I'm opening myself up to retaliation if I go forward with anything from someone who has charges of "Aggravated Arson" and "Aggravated Discharge of a Firearm", in addition to a few battery charges.
I can't just not do anything though. Any advice would be greatly appreciated.
Relevant Comments
Commenter: Copying this for every identity theft situation I see on here (since it seems to happen a lot) where you know who the person is who stole your identity. This is all information you can find in this sub and others:
1: CALL THE POLICE - You're the victim of identity theft, plain and simple, it doesn't matter who did it or what your relationship is to them. They broke the law, now they have to face the consequences of their actions.
2: Freeze your credit - You want to make sure it doesn't happen again, take the proactive route of freezing your credit.
3: Monitor and track your credit - You need to be alerted if anyone tries opening a line of credit in your name. This gives you a way to do it for free and it shows your credit score
4: Warn anyone else who might be a victim - This includes family members or anyone else whose social security number might be compromised by the thief.
5: Take the police report to the credit bureaus - Give them the report number when you dispute all of the accounts. Most of the time, that will be enough for them to take the accounts off of your credit. It's on the creditors themselves to prove the accounts are legitimately yours and the bureaus aren't going to get in the middle of it. A police report goes a long way in clearing up your credit.
Don't take identity theft lying down, even if it's someone close to you. If you let them get away with it, get ready for 5-10 years of bad credit, collection agencies coming after you, lawsuits, etc.
For this specific case, YOU NEED TO GO TO THE POLICE LIKE NOW. This guy seems like an incredibly violent person, I would get a restraining order as soon as possible. Does he know where you live? I also would not contact your ex at all about anything else. Let it all go through the court system.
OOP: I plan on calling the police, I was just kind of freaked out about the whole situation. How do I get the police report to the credit companies?
Commenter 2: File a police report for the fraud. Contact the lenders and provide the police report number and jurisdiction. Let the police/bank sort it out. Provide all that info to the lawyers that filed the suit and bring it all to court. Do NOT skip a court date.
Update: September 10, 2024 (one month later)
Update: I followed the advice in the comments and went to the police. Quick and painless process, I was in and out in maybe 30 minutes with a report number. I never received another call from my ex or her bf. I gave the report number to the credit card companies and the credit bureaus. I was told I didn't have to do anything else at that point but to show up to the court date for the lawsuit.
I learned through a mutual friend today that my ex was arrested this morning. Apparently the county put out a warrant for her last week, pulled her over on the way to work. It looks like she was charged and released pretty quickly.
ALSO, I learned my ex and the bf who threatened me are no longer together. I don't think I have to worry about him anymore.
The court date for the lawsuit is later this month but everything has already fallen off my report. My score has gone up probably 200 points. I'm still going to the court date just to make sure everything is good but it's looking like all good news from here on out!
Relevant Comments
Commenter 1: That's awesome news. Your story will also serve as inspiration for others to pursue justice when they've been wronged.
Commenter 2: Make sure you put a FREEZE on your SSN with all three credit bureaus, if you haven't done so already.
DO NOT COMMENT IN LINKED POSTS OR MESSAGE OOPs – BoRU Rule #7
THIS IS A REPOST SUB - I AM NOT OOP
Top Comment:
Great BORU post same I'm glad for OOP.
HOWEVER, how can it be so easy to open a credit card in another person's name? Why isn't there a mechanism to actually check your identity? It's scary! (Non American with vastly different system here).
Ex-Credit Suisse CEO: "Bitcoin the Very Definition of a Bubble"
Main Post: Ex-Credit Suisse CEO: "Bitcoin the Very Definition of a Bubble"
Top Comment:
Return of having bought Bitcoin by then: almost doubled.
Return of having bought Credit Suisse back then: -98%
My ex-boyfriend (22M) is letting over $1k sit in collections in my name to hurt my credit score so I'll (21f) have to move back in with him. How do I get out of this?
Main Post:
Tl;dr - I had an apartment with my ex. He got controlling. At the end of our lease, I broke up with him and moved into my own apartment. He pretended to be amicable and agreed to pay the $1,200 he had racked up in move-out fees for damages and trash he left behind, but instead let it go to collections where it will hurt both of our credit scores. I need a good credit score to be able to rent. He has a rent-free cabin on mommy and daddy's property that he says I'm free to stay at if things don't work out for me. I don't have enough money to pay collections myself. What do I do?
My ex and I got an apartment in January of 2023. The duration of the lease was for 18 months, and had both of our names on it. Over the course of those 18 months, he limited my freedoms in a way which would have made it very difficult for me to leave.
My car became undrivable and he had me just drive his because it was easier than fixing mine, and his car was nicer anyway, so what was I complaining about? All of my paychecks went straight into a joint account for our bills that we split 50/50 ($1600 rent, $200 in utilities, his $700 car payment and $500 insurance payment that we split because I was the one driving it), when my take home pay in a month was $1.6k and his was $5k. My leftover money would go towards groceries. It was "fair" because he had over $30k in credit card debt that he was trying to pay down, and I was debt free. What did I need all that extra money for when he would buy me anything I could ever need? I was never allowed to go see friends because I couldn't waste miles on his car, and my friends could never come over because he didn't get along with them, so eventually I just didn't have any friends (and no couch to stay on if I ever needed it).
I took a reality check and realized how bad things had gotten, small things adding up without me noticing, like a frog in a boiling pot. When I got a promotion at work, 6 months before the end of the lease, I secretly made my own bank account online to deposit the difference from my pay increase. 3 months before the end of our lease, when we had to notify the complex if we were staying or leaving, my ex suggested we cancel our lease and move into a newly-built cabin on his parent's property so we didn't have to pay rent while saving up for a house. I agreed, thankful for an excuse to end the lease with my name on it.
I found a roommate on the internet, lined up a new apartment and a new job. Until my car was fixed, my roommate would generously give me rides to work when possible and when not I would rideshare. A week before the end of our lease, while he was on a business trip, I broke up with him over the phone. He cried a lot, but seemed to accept it, which I had been worried about. He appeared amicable, even. I moved successfully, and everything was going well. Our lease offically eneded on July 31st.
September 1st I got a call from our old apartment complex that we had a balance with them at risk of going to collections, unless I set up a payment plan. I never had access to our apartment payment portal, so I had no idea my ex hadn't paid everything in full. Upon request, our leasing agent sent a list of charges to my email. $100 for cleaning, $600 for trash removal, and $900 for damages. The cleaning was pretty much expected. The damages made sense, as my ex had made a couple holes in the walls, either out of anger (punching) or drunkenness (falling), and he had already said he would pay for that himself when we moved out. The trash didn't, as I had made sure to personally collect and remove at least 10 huge black bags full of trash when I was moving out to avoid such a fee, as I knew he wouldn't bother.
When I called him to find out what was going on, he said that the "trash removal" fee was probably from all of his things that he left behind after deciding he didn't want them, but that it was no problem, and he would pay all of the fees himself. The payment plan, after putting our security deposit towards the fees, amounted to $300 a month, paid by the 15th, for 4 months. If the payment was made later than the 20th, the total would go straight to collections without notice. $300 should have been nothing for him, especially since he no longer had any rent to pay.
I texted my ex on the 15th to make sure he hadn't forgotten, and he said he had made the month's payment already. Today, I got a call from a collector.
My ex ignored my calls at first. Then, when he did answer, he told me he's too broke to be able to make the payments. There's no way I can pay it myself, with how tight things are currently. My car isn't even done getting fixed yet, and the little bit of money I do have saved is meant to go towards that so I don't have to keep spending money on rideshares. Even if I did put that towards the collections, it's still far from the $1200 owed.
I've worked hard to get a good credit score for my age and circumstances (over 700), and I'm so upset to see all my hard work be for nothing. I think my ex is doing this on purpose. He said at one point during the breakup, when we were separating our finances, that he doesn't care if he gets any fees or collections because his credit score doesn't matter anymore. He already has his car, and he won't need to rent anymore since he's staying on his parents' property, so he says it's basically useless. I think my ex is trying to sully my credit record so I can't rent or get a car at all in the forseeable future. My current lease is only for 6 months, and I was really hoping to be able to get a newer, more reliable car at some point. He's told me, if I ever need a place to stay, he has a couch with my name on it.
Sorry if I wrote too much, I'm just hoping someone can find some sort of loophole or something in all this thay I haven't. How do I get him to stop playing with my life and pay what he owes?
Top Comment:
Do you have anyone in your life you can borrow money from so you can pay this off asap? You are not going to be able to "get" this man to stop messing with you, because he's getting a payoff for doing so. If you were able to pay off the money, even if that's unfair, you'd get out from under him (I'm sure he loves you calling him about this issue) and preserve your credit score.
Help! My ex from years past has been using a joint line of credit I thought was closed. (25K worth) I'm going to get my name off but curious how this will affect my credit score or if I can claim a "bank error".
Main Post:
I am getting my name off the joint line of credit and have it refinanced in his name but it has been about 8 years under both of our names. From his own personal use it now has 25K in debt out of a 28K limit. I need to get my name off but I think in one go this might ding my credit a bit which is pretty strong otherwise around 824.
How will this affect my credit score? / Historically would it only have been affected if he missed payments?
Additional Context
My ex from my early 20's worked at Scotiabank. We had a line of credit in both of our names that we never used and was supposed to have my name taken off ***not be closed. He filed the paperwork when we broke up but gave it to someone else in the branch as he couldn't process it himself. There are no email records as a lot of this was done by paperwork back then.
He moved all his other accounts to another bank so he said he did not notice that my name was still on it as he only uses the app.
I have never received any correspondence from Scotiabank. I got a call from them today to try and up-sell me on something else and just found out about this account.
Is there anything that can be done or claimed regarding bank error?
Top Comment: Do you have the paperwork that shows that the account was supposed to be closed but didn't? From what I understand, as long as you cosigned the account, both parties are on the hook for the loan. There's a good chance that it was simply never done. Right now as it stands unless you have some sort of proof that it should have been closed, there's a good chance the Scotiabank simply stated that they never gotten a request to close the at the time unused line of credit. Also, something doesn't line up here. If your ex knew that the line of credit was supposed to be closed, how was it that he can still see it on his app and borrowed from it? Once closed, lines of credit accounts would be removed from your profiles. There's a chance that none of it actually happened and he knew the line was still opened and borrowed against it anyways.
ILPT Request: Spending with my ex-employer's credit card
Main Post:
A friend of my -- purely hypothetically -- still has access to a company credit card from a job he quit months ago. What would happen if he spent some money off of it?
Top Comment:
Don’t do it, the list of people who have or had access to the card is tiny. They will catch you
What's the ex-gratia payment for?
Main Post:
I have a loan with Citi and got some amount credited to citi savings account, with description "credit of ex-gratia payment". I think it's for the PL but I dint opt for moratorium, wonder why I got this amount.
Top Comment: Ex-gratia essentially means that the bank is returning you money as a favour. Banks usually charge compound interest on any loan/EMI. In case you had any EMIs/Loans running from 1st March till 31st Aug 2020, then the amount refunded is the difference between the compounded interest (in simple terms interest on interest) and simple interest calculated on your EMI amount. In case you didn't have any EMIs/Loans, the card outstanding would be considered and notional interest on it would be refunded.