To give just the bare bones of the situation:
I’m enrolling in a rather costly course, I applied through the school for a student loan. So, the school sent my loan application off to a few banking institutions to see who (if any) will give me a student loan…
So far, so good!
I got a few letters from banks saying that they had denied my loan application, or that they would not loan me the full amount, etc. (reason: I’m currently unemployed, and have little credit history here in the US, having spent the last 8 years living and working overseas…). No surprise, I didn’t expect that getting the loan would be easy given my limited credit history.
So today I got a call from a bank loan officer.
Loan officer: “We’re trying to verify your employment, but I can’t seem to get ahold of anyone at the phone number provided.”
Me: “ Huh? I’m unemployed… it says so right there on the loan application.”
Loan Officer: “Er. I have a payslip here that says you earned $1500 during 2 weeks in August working at company name.”
Loan Officer: “Yup, you! It’s got your name on it, and your social security number and everything.”
(we verified that all the info. on the payslip seemed to belong to me… correct social sec, etc.)
Me: “I have no idea! I’m NOT employed, and that’s what I wrote on the loan application… and I’ve never even heard of that company!”
So I called the school and spoke to the guy who filed the loan apps for me… he has no idea what is going on, but he’ll call me back.
A while later, he calls back: Someone there (he says a new secretary) took it upon themselves to forge a fake payslip from a fictional company and, I assume, change the loan application documents that I had filled out, in order to push my loan application through.
I’ll give you a second… go back and read that bolded part again, and tell me if that makes ANY sense whatsoever to you!
The guy at the school says he’ll talk to the loan officer, and get back to me tomorrow.
I’ve been thinking about this for a couple of hours now, and I want to know: is there ANY possible way I can get in legal trouble over this? Will it adversly affect my (already pathetic) credit rating?