Credit Agencies

Question: Credit agencies refuse to remove my father's bad credit from my report?

(Posted by: Eisenh0wer D on 2010-01-12 09:25:52)

I& #039;m 21 years of age and have 3 credit cards, all of which are in great standing - I have never been late. I don& #039;t owe a large amount of money. I have no other loans, no mortgages, no medical bills or any real expenses. So you would think I have perfect credit according to the three reporting agencies - Transunion, Experian and Equifax. Not so fast! My father is my opposite: he has terrible credit and owes thousands of dollars in taxes to the state (New York). You see, the problem is that my father and I share the same name - I happen to be the Third. The agencies, for some reason, don& #039;t seem to check social security numbers and just plaster my father& #039;s tax liens and crap on my report. One of the best entries - $7000 owed in taxes, reported in - 2001- , when I was in 8th grade. So I did the sensible thing and disputed this nonsense - unfortunately, they said they can& #039;t remove this from my record, it has to be done through my county clerk. So I called the clerk, nothing they can do. I had to call another number to get in touch with some state bureau, got the run around from then, told me I had to go to my borough& #039;s record department and get some records proving it& #039;s not mine, got the run around there... point being, I haven& #039;t been getting any help. What are my options?

Posted by: Antony on 2010-01-14, 11:10:24

Probably you have some wrong items in your credit report. Use credit repair service to find and remove such bad stuff from your credit - credit-report-free.totalh.com

Posted by: Gaytheist Buddha on 2010-01-12, 09:30:45

The credit bureau must provide proof the debt belongs to you. Ask them to show your signature and Social Security Number on the debt. If they cannot, the item must be removed. Is it possible your father used YOUR SSN# for his debts?

Posted by: wizjp on 2010-01-12, 09:38:22

Not much. County liens tend to be very general in nature and the person generally is required to prove he is innnocent not the other way around. If they are just picking up a county judgement, ss# may not be attached to it. I 'd sit down with a lawer and write a letter of dispute to be entered into the report for each incorrect item listing the specific ways you can disqualify the lien as being against you.

Posted by: Cajun on 2010-01-12, 10:02:18

Your county tax clerk CAN remove/ update the entry, but unfortunately, this is not your problem. Your problem is that your Dad 's credit information has made its way into your report. About the only thing the county clerk can do for you is to provide information on the tax debtor. (ssn,name,address, etc.) If Pops used your SSN and DOB information, then you 're dealing with a whole new set of problems. For sake of argument, lets say he (dad) did use your SSN. In theory, the clerks office could fix the problem and get the negative info into your Dads file, but they are going to make you jump through some hoops to do it. More than likely, they will want his "accurate " information, and he 's probably not going to want provide that. By law, credit agencies must remove information that cant be verified...such as original debtor, account information etc. If you aren 't provided this information, the entry must be removed. Your name and SSN/ DOB, must match the information in the county clerks office or the negative has to be removed. Obviously, if it does match, then you have probably been a victim of identity theft. If you were in 8th grade, then surely someone with common sense could deduce that you aren 't the person that owes the debt. But you are dealing with the "county folks ", and I 'm not altogether sure that they apply the rules of logic correctly! Good Luck!