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Credit and Credit Reports

Questions & Answers

Question: A few years ago my wife co-signed on an auto loan with her friend. She gave them her contact information, but was not the primary on the account. We ran her credit report recently, and discovered that her friend has been more than 30 days late close to 80% of the time over the last couple years. This has killed my wife's credit. We spoke to the bank, and found that they have been in contact with "her", and have signed documents from "her". My wife has not been in contact with the bank at all. So, how How can we convince the bank it wasn't her they were speaking to?

Answer:

The following is general information. To find out how the law applies to your specific situation, you may choose to consult with an attorney.

You may want to examine the Arizona Revised Statutes (A.R.S.). Specifically Title 13, Chapter 20 if you feel you may have been victim of identity theft. If you feel as though you have been the victim of identity theft or fraud, you may also want to contact the Arizona Attorney General. On the Arizona Attorney General's website is an ID theft repair kit brochure, that may provide you with additional information.

Again, this is only general information. To find out how the law applies to your specific situation, you may choose to consult with an attorney.

August 27, 2009