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| *Loan,banking and credit>>>credit report |
HELP! Credit Report problem: parents' history on my credit report.? |
I am a recent college graduate. I started applying for jobs and it is hard to get my foot in the door. Today, an employer rejected me because I had "bad credit". I was puzzled because I've never had any payments to make my entire life except for apartment rent which was payed on time every time. I looked at the credit report and the whole thing were things under my parents' name. For example: There is a payment delinquency for 90-120 days for a Capitol One Bank credit card. I've never had a capitol one card but my dad has!! Is this common and what steps do I take to take my parent's credit history off of my own. What is considered "my own" credit history? The first poster is correct. You need to contact all three credit bureaus and dispute this information. They have 30-days to prove that the information is correct or they must remove it. You do not have to prove anything, they do. Credit pulls based on S.S.N., address, name and Zip code. This is a mistake and should not be a problem to clear up. Source(s): Finance Manager for over 7-years. When looking at your credit reports, they all list information on how to dispute items. Follow the instructions and dispute them . They have 30 days to remove them or notify you that they are legitimate. Get all 3 of your reports for free from this government mandated site... https://www.annualcreditreport.com/cra/i... https://www.annualcreditreport.com/cra/i... Start by contacting the credit reporting agencies and explain the mistake. Your parents info should not be on your credit report. I am assuming your name is the same as your father's name. You may need to provide proof that these debts are your fathers debts and not yours. I would call the reporting agencies and dispute it. This stuff is harder to get off than you think. My grandma got cable in my name and never paid the bill (sucks huh). It took me 5 years to get it cleared. The bill was $1400. I wrote the creditior and the credit agencies. It was terrible. I send ID cards with signatures, my renta contracts showing I didn't live there. It really sucked. Be ready for a long road ahead. First, check all three credit reports (Equifax, Experian and Trans Union) for free at www.annualcreditreport.com. Once you obtain your credit information, make sure that you immediately dispute any information that does not pertain to you. Also, be sure that it is actually your father' s account and NOT your account. I have actually heard of some hard up people actually putting credit and.or cell/telephone bills in their child's name without them knowing about it. Illegal I know, but it does happen. If it turns out that the card is actually your father's, then simply dispute the information online and they will have it removed within 30 days and by law must forward you a new report. Good Luck!!!! |
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