My MIL Secretly Used My Identity for Two Years – She Had No Idea Who She Was Dealing With

For Two Years I Thought I Was Bad With Money — Until My MIL’s Card Got Declined

For two years, I thought I was ruining my own life.

My credit score kept dropping. Payments I knew I’d made showed up late. Money vanished even when I barely spent anything. I tracked every cent, convinced I was careless… maybe even stupid.

Then I applied for a new card.

Fraud department.

Accounts in my name I’d never opened. Thousands of dollars. When they sent the shipping addresses, my stomach dropped.

My in-laws’ house.

Receipts. Email.

Margaret — my mother-in-law.

Spa kits, designer shoes, ridiculous gadgets. All under my identity.

I expected my husband to defend her.

Instead his voice went cold. “This isn’t on you,” he said. “We’re fixing it.”

We froze everything, filed reports, locked my credit.

The very next day she went shopping and tried to use “her” favorite card.

Declined.

Again.

She called the bank on speaker, smiling — until they said they could only talk to the cardholder.

Me.

That night she stormed into our apartment, furious about being embarrassed. Claimed she was “helping,” that we were family, that she’d pay it back eventually.

“You stole her identity,” my husband said.

When she realized the bank knew, she left in tears.

For two years, I thought I was the problem.

Now I know exactly who was.

And she can’t touch my name anymore.