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What's it like to share your SSN with 50 people? Follow a victim's struggle

Jonathan Barnett is also Jose Cruz. And Jesus Ramirez.  And Pilar Terrones, Pilar Sanchez, Esmeralda Gonzalez and dozens of other people, at least according to the nation’s identity system.

Barnett unintentionally shares his Social Security number with all those people  –  and probably many more  – yet his credit report and Social Security earnings records are completely clean. That seeming contradiction is a big part of his harrowing identity nightmare.

Barnett’s predilection for assiduous recordkeeping offers a rare glimpse into the deeply flawed identity system used by the nation’s creditors and employers.  It relies on the secrecy of SSNs. But Barnett’s number is hardly a secret; it’s the fraud connected to his identity that remains off limits, even to the victim.  

“It's like I have a ghost out there,” he said. “Lots of ghosts.”

The canary in Barnett's identity coal mine was an innocent-looking email from Wells Fargo Bank. It arrived in August, soon after he opened an account there, offering savings tips.

But the email was addressed to someone named “Pilar Sanchez.” 

Then he received another, and another – all sent from Wells Fargo to his email account, but addressed to Sanchez.

Barnett, a 27-year-old who lives and works near Austin, Texas, called the bank.   An operator told him it was probably a simple error, perhaps a typo, and that he shouldn't worry. But he knew better.

For years, Barnett had a sense something might be wrong with his identity records. But each time he obtained his credit report or his Social Security statement, his identity was "clean."  This time, however, he was determined to get to the bottom of the problem.

He started doing research and found out, through various news stories, that a certain kind of identity theft can allow imposters to "share" victims' SSNs without blemishing their credit reports. So he became more assertive with creditors and changed the way he quizzed them.

If you very bad credit is it possible to get a personal loan? | Mortgage ...

Bad cr? Said the pr? Ts personal and how, if possible, STIs have t? All over the internet they say you can not get a pr t matter what your personal cr? Says is the case then who can? Ch? Ant which company does testfi and they know because I use n ‘matter who who got a pr t personnel with bad cr? said Prove Me Wrong and tell your story? t?. I know I had some problem? But when I can have and how can I get help. . . . .

It is possible to get a loan with bad credit. If accepted, be prepared to pay a high interest rate. That’s the name of the game: Good credit = lower interest rate & bad credit = higher interest rate. I would not recommend getting a loan over the internet unless you really understand the ins & outs. Going to a bank is better. They can answer any questions you might have and explain more of what you are getting yourself into. I have a friend that has extremely bad credit who got a loan, refinanced, and refinanced again. He is now currently walking away from his home because he can’t make the payment anymore. Be careful and Good Luck!

Different companies have different stipulations about loaning money. Some will work with people who have worse credit than others. If you have poor credit, you may still be able to get a personal loan. Three things may be considered: 1) the interest rate, 2) amount they let you borrow, 3) what collateral you have in case you default on the loan. Before I owned a home, I wanted to take out a personal loan to pay down some student loans and credit card debt. Although my credit was excellent, without any major collateral (my car was worth only about $4000), no one would loan me money. Shop around, and hopefully you’ll find something that’s a good fit. Lastly, keep a co-signer in mind, if possible – this may help you get what you need.

There are plenty of places that offer quick loans for people with bad credit with no-hassle applications and easy requirements.

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