Social Security Number Question

[honeybee]

Alright. I'm stumped on this one.

Since my fiance has been an adult he has opened checking and savings accounts, taken our car loans and personal loans, signed for our joint mortgage, went through a background check to be a police officer, has a few credit cards.

Today we went to my bank to add him to my checking account. They couldn't because he social security number was flagged for having "credit issued to the number before the number was issued to him."

How the hell does that even happen? And how has it never been caught before?? We're trying to track down someone at Experian now to talk to but I'm so clueless as what this even means? I don't even know where to begin on this one

[Deleted]

Thats really odd. Did he have a SSN re-issued to him for some reason? i.e. not the one he was assigned as a baby? I was in banking for many years and I've never seen that. The SS department doesn't re-use SSN's that I'm aware of, so either something was mistyped on someone else's application or someone thought they were using a random number-either way, thats not your fiance's fault. I would try to call the credit bureaus and maybe call SS to ask their advice?

[octwed07]

Did they maybe mistype his SSN? I would call all 3 credit bureaus -- Experian, Transunion and Equifax and i would pull all 3 credit reports -
www.annualcreditreport.com and i would look at all the accounts associated to see if maybe somehow his SSN was maybe used to open up account.

[madringal]

I have seen it often at my bank - but I live in an area with a lot of undocumented Hispanics and fake SS cards. But, sometimes a business and and individual can have the same tax ID number, so it is not entirely impossible.

If someone comes in today to open an account, and we have someone else assigned to that SS number, we need documentation from the SS office.

But the most likey situation is that they typed it in incorrectly.

[mrs.spunky]

Has he ever been an authorized user on his parents' cc? If the cc account was opened before he was born, and his parents at a later date added him as an authorized user for that account, his credit history would be longer than he has been alive. FWIW, my DH's credit history is ~30 years long and he's only 33. His parents' oldest account at the time he was added as an authorized user was opened when he was a pre-schooler, and it goes all the way back to the opening of the account.

[honeybee]

May 22, 2012 15:17:47 GMT -5 mrs.spunky said:

Has he ever been an authorized user on his parents' cc? If the cc account was opened before he was born, and his parents at a later date added him as an authorized user for that account, his credit history would be longer than he has been alive. FWIW, my DH's credit history is ~30 years long and he's only 33. His parents' oldest account at the time he was added as an authorized user was opened when he was a pre-schooler, and it goes all the way back to the opening of the account.

Amazingly enough this is what it turned out to be. For whatever reason they didn't show up previously. But sure enough we pulled his reports today and two reporting agencies are showing them.

Ughh this is going to be fun to try to change.

[LoveTrains]

May 22, 2012 17:26:32 GMT -5 honeybee said:

May 22, 2012 15:17:47 GMT -5 mrs.spunky said:

Has he ever been an authorized user on his parents' cc? If the cc account was opened before he was born, and his parents at a later date added him as an authorized user for that account, his credit history would be longer than he has been alive. FWIW, my DH's credit history is ~30 years long and he's only 33. His parents' oldest account at the time he was added as an authorized user was opened when he was a pre-schooler, and it goes all the way back to the opening of the account.

Amazingly enough this is what it turned out to be. For whatever reason they didn't show up previously. But sure enough we pulled his reports today and two reporting agencies are showing them.

Ughh this is going to be fun to try to change.

This comes up on my credit report - but I have never had a problem and have a credit score over 800.

[cahabalily]

I'm working parttime as a leasing agent. Last week I got a Guy whose social was flagged as belonging to a deceased person. He was cleared to move in anyway, but I'd never seen that before....

[mrs.spunky]

May 22, 2012 17:32:33 GMT -5 LoveTrains said:

May 22, 2012 17:26:32 GMT -5 honeybee said:

Amazingly enough this is what it turned out to be. For whatever reason they didn't show up previously. But sure enough we pulled his reports today and two reporting agencies are showing them.

Ughh this is going to be fun to try to change.

This comes up on my credit report - but I have never had a problem and have a credit score over 800.

Yeah, for most people it is not a problem. Long history = good. However, it was the first thing I thought of due to my H's experience.