Legal Question in Real Estate Law in California

Re: Someone wants to use husband's Fico score

Using someone else's social security number is a major violation of federal law. Making misrepresentations on a loan application is fraud, and punishable with both criminal and civil penalties.

Any attorney who advised you to engage in that transaction should be subject to disbarment. Take the advice of the previous two attorneys, including Ms. Deming's recommendation of church.

Very truly yours,

Re: Someone wants to use husband's Fico score

If it sounds too good to be true, it is.

You already know the answer to your question.

First, this is called loan fraud, and your husband could be held accountable for it.

Second, there's no such thing as a free ride.

Third, if the guy was legit, he wouldn't need to "borrow" anyone's FICO score.

Pass on this as if it were the plague.

Re: Someone wants to use husband's Fico score

What he wants is to use is your husband's social security number because it reflects a good FICO--this is in violation of state and federal laws and can be punishible in prison, if discovered. If something goes "sour", your husband, as a conspirator, can be criminally liable as well as civilly liable and your community property can be seized to satisfy any judgment--your husband and his son need a crash course in ethics and common sense. Church wouldn't hurt either.