About Admin

Hello, My name is Oni. I was a victim of a dirty bad housing fraud back in 2003. This woman who I will not name on my website was pretending to be me, and take over my identity she lived in the city of Palmdale California Not only did this person purchase a home in Palmdale California under my credit profile' but she also took out credit cards in my name, and also took out many loans on the home she bought with my credit information Then she did the worst thing to my credit profile she went to Bankruptcy court-filed documents in my name and credit profile. I only found out when trying to use a credit card I had not used in many years. I called this cardholder to find out my limit so I could make a purchase for my husband's Christmas gift. But to my surprise, this cardholder told me I had no credit limit on this card because I filed for bankruptcy last month in September of 2003. I stated to the company cardholder there must be some mistake I do not own a home at this time and lived in a townhouse over 100 miles away from where this bankruptcy took place. He stated to me yes we have updates on the cardholders monthly, and we took away all of the credit limits from this card and closed my account down. Now was I very pissed off, angry to find out that not only did someone use my name but they purchase a home in my name, and also filed Bankruptcy on credit profiles. I then went to the net to find out if I really own a house in my name. I got myself an updated credit history report. I found out this guy was right I did own a home in Palmdale, and I filed Bankruptcy by their records this was correct. I was so upset since I was in the process of building a home out in the high desert, was in the process of getting a loan with my credit score being 750 with 3 open accounts in good credit standings. My next move was to prove who I was, and where I lived for over 10 years. A police report was filed in the city where I live at this time in 2003. I gave the police my fingerprints at the Long Beach police department, and my handwriting so that I would have this on file for my court case. Someone was going to pay for what was done to me. I contacted the loan people and told them who I was and that I wanted them to remove this from my credit profile since have not filled out any type of paperwork with them on any loans. They laugh at me and said I should have paid my payment on this home that this low-down dirty woman bought in my name, and credit profile. I then called the Bankruptcy court where the case took place. Nice men there asked me, for the social security number I gave him my number he did a deep search, could not find any kind of files with my SSI, Are Bankruptcy filed in my name at all. I then gave him the credit reports I purchased online. He said this was not my Bankruptcy at all there were 3 numbers turned around but it was a close match but The name was very different spelled among other things. He said I am going to send you out a report of the Bankruptcy that was in your name but not SSN. I contacted a law firm on this matter. I had tried many times to over, and over to work things out with the bank over this huge mix-up. They lied to me after I went out, and paid for services to help them get their funds back from this house that did not belong to me at all since this was in my name, social. I got sick, and tired of the banks after they sold this home while I was on vacation out of the states. A call was left on my home phone that they lied to the people I paid to help them get their money back from this fraud identity case done in my name. After all this big mess with my credit profile, I had to get help from a law firm who I told my story and handed him the proof I could have never done this bankruptcy in court I was taking class finals over a 100 mile plus away, and the handwriting did not match my writing at all. We went to court I took everyone to court on this matter. I wanted my credit fixed, and I was not taking any more crap from anyone over this home a loan that someone did in my name. I won my case in court, and that was easy to do since I went back to the court where the Bankruptcy had been done in the first place. The Judge who did the Bankruptcy remembers the case and the women that came on the day of the Bankruptcy hearing, and Guess what I was not the woman that came into her court at all, she told them, creditors, that this is not the woman that came into this court, and filed bankruptcy. She told them to clean up my credit reports, and that she needed to see these reports for the next couple of months if they should show back up my attorney would contact her again on this matter. The judge said any fool can see the handwriting does not match the police handwriting files, and the fingerprints did not match sure do not match this on other fraud documents that this woman had done in my name. I am proof the judge said this woman in my court today. I have never seen before in my court room until today, and she is not the person who did this Bankruptcy in this case? The judge made them pay me, and also fix all my credit back like it was before all this happen, and they had 2 weeks to do it, and the judge wanted all my credit reports in 2 weeks show they took all these loans and negative stuff off my reports. My reports were back to normal but I had to stay up on it every few months. The loans were sold again, and again. I got many collectors trying to collect on a court case that had been settled because they sold the loans over, and over again in my name. I wrote everyone who put things on my profile that they had a week to get it off or I would have them in court for trying to collect on loans done in my identity being stolen, and that was not mine, the court has cleared up this matter. I had no problems at all the stuff was taken off right away. But I still keep up with all the credit cards I do own and monitor my credit profiles every. few months, taking time to write these people back was a big every few months task for me. This is the reason I made a website to share my store of how my credit report was destroyed by fraud. Dirtybadcreditreport.com I hope my credit story can help those who have been going through fraud among other types of credit problems, remember this fraud is everywhere, no one is safe out in this world today.