Dave Ramsey says: File police report, alert creditors to fraudulent accounts

Dear Dave,

We recently learned that my wife’s ex-husband used her Social Security number to establish several credit card accounts.

We’ve written and called the credit card companies, and we’re disputing the charges, but is there anything else we can do to protect ourselves and put an end to this?

— Ken

Dear Ken,

You bet there is! File a police report immediately, and if possible, have this guy arrested. He has committed criminal fraud, and it’s not something you should take lightly.

Also, put a fraud victim alert on your credit bureau reports today.

Don’t stop with just alerting the credit card companies about this situation. You should be speaking with and communicating via email—plus snail mail, if necessary, directly with the fraud victim division at every credit card company involved.

Make sure they understand this is a denial of responsibility and not simply a dispute.

Let them know you’re sorry this happened, but explain that all these charges in your names are the result of a criminal act perpetrated against you.

You may have to stand your ground with the credit card companies, because some of them might try to get you to pay it, anyway. Don’t do it!

— Dave

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