Identity theft is a crime that can take years for victims to escape. Jill Limas knows the drill. What she doesn’t know is exactly where the loan notice came from.
Jill has been a victim of identity theft and that has her constantly on guard, watching her bank account.
She said, “I had somebody open an account under my name.”
That was a few years ago. Jill believed she had cleaned the credit slate until getting noticed of better rates for a student loan.
“My first concern is that I don't have a student loan. So that makes me very worried there might be somebody out there with a student loan in my name.”
The single mother with a full-time job is a non-traditional undergraduate student. She’s finishing college and preparing for law school but now she must spend time studying her credit reports more closely. There's evidence she might be a victim of identity theft again.
Jill is trying to contact the company to find out if her information has been used to obtain an $80,000 student loan.
A phone check yielded a recording. The message said, “The letter you received in regards to a student loans was an error. We appreciate your calling and sorry for the inconvenience.”
While the recording claimed the mailing was a mistake, it made Jill nervous.
“My heart sunk,” she said. “Oh no, somebody has done it again and to the tune of $80,000 this time. That's a significant amount.”
So, studying for a test important to her future, Jill also must monitor her current credit because of identity theft she thought had been in her past.
The Better Business Bureau logo is on the student loan notice but the bureau can't find any record of the company.