{"product_id":"ofw-crisis-identity-theft-loan-fraud","title":"My Identity Was Used for a Loan I Didn't Take — The Recovery Card","description":"\u003cp\u003eThe shock and anger you feel right now are reasonable. Someone used your name, your number, your hard-earned creditworthiness — to borrow money you'll never see. That feeling is valid.\u003c\/p\u003e\n\u003cp\u003eBut every minute you spend in shock is a minute the perpetrator gets further away. \u003cstrong\u003eThis guide is written compact because you don't have time.\u003c\/strong\u003e Skip the prose. Use the tables. Come back later to read the explanations.\u003c\/p\u003e\n\u003cp\u003eYou're not the first person this happened to. You won't be the last. Most cases against OFWs do get resolved. The path forward is procedural — and it starts in the next hour.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eYou are not legally liable for a loan you did not apply for.\u003c\/strong\u003e That is the rule, full stop. Collection calls will try to make you feel otherwise. Do not agree to pay. Do not sign anything. Refer them to your case number and end the call.\u003c\/p\u003e\n\u003ch3\u003eWhat's inside\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eHOUR 01 — Confirm and document.\u003c\/strong\u003e Verify the loan exists, screenshot the evidence, note dates, amounts, and lender contacts before anything else.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHOUR 02–04 — Lock your identity.\u003c\/strong\u003e Credit bureau alerts, MySSS lockdown, BPI\/UnionBank\/GCash freezes, NBI clearance request — in the right order.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eHOUR 04–24 — File the police blotter.\u003c\/strong\u003e Where to file when you're abroad (the embassy route), who else needs a copy, and the format that holds up later.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eDAY 02–07 — Notify the creditor formally.\u003c\/strong\u003e The written notice that stops collection legally, with template language and proof-of-mailing requirements.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWEEK 01–02 — Submit the affidavit of denial.\u003c\/strong\u003e Notarization from abroad (consular or apostille), the exact statements required, and what NOT to include.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eWEEK 02–04 — Credit Information Corporation (CIC) dispute.\u003c\/strong\u003e The official channel for correcting your credit record — and the realistic timeline for resolution.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMONTH 02+ — Civil and criminal options.\u003c\/strong\u003e When prosecution makes sense, when settlement is better, and the cost of each.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eREFERENCE — Collection call script.\u003c\/strong\u003e What to say, what not to say, how to end the call without admitting anything — in three sentences.\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eREFERENCE — Document checklist.\u003c\/strong\u003e Every paper you need, in the order you'll need it. Print this page.\u003c\/li\u003e\n\u003c\/ul\u003e\u003ch3\u003e30-day money-back · Instant PDF · Free lifetime updates\u003c\/h3\u003e\u003cp\u003eNot affiliated with SSS, PhilHealth, OWWA, DMW, or any government agency. Independent reader-funded publishing.\u003c\/p\u003e","brand":"OFW Pension Guides PH","offers":[{"title":"Digital PDF","offer_id":53078122037359,"sku":null,"price":199.0,"currency_code":"PHP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0719\/5616\/8815\/files\/cover-identity-theft.png?v=1778587472","url":"https:\/\/ofwguidesph.com\/products\/ofw-crisis-identity-theft-loan-fraud","provider":"OFW Guides PH","version":"1.0","type":"link"}