Forks:
Fortunately, there is a way to get that mix up taken off your credit bureau. There is a document that you are required to mail in to the Credit Reporting Agency that I can forward to you if you like. It would probably be best to send a copy of the letter stating that the information was incorrect that you had recieved from the governemnt with the document. If you want, you can PM me your name and address and I will mail you one from work. If you prefer not to give your name out to total strangers, I will look around online to see if I can find the document.
As to why you are being charged high interest rates, the only way to find out is to check. I would recommend going to
TransUnion and purchasing your credit bureau with score. The link above directs you to that product, it is $12.95 I believe, but it is worth it. It tells you your current balances, your FICO score, what is hurting your credit, how to fix your credit, and how lendors see you. If there is anything else I can do for you, let me know.
Thanks for Posting!