Credit Question - Tilted Forum Project Discussion Community

cleanx · 01-18-2005, 08:00 PM

my credit is very good but for some reason my score dropped bad (I apply for loans and such all the time to buy and then re-sell property) the last couple I have applied for came back saying that they couldn’t give me the loan based on negative history.. I find out my dad's bankruptcy is in my name too (we have the same name)
any one have an idea what I can do?

hrdwareguy · 01-20-2005, 09:32 AM

You will need to get a copy of your credit report from each of the 3 credit bureaus. TransUnion, Experian, Equifax. Check out their websites for information on obtaining your report.

Once you have your report, you can dispute inaccurate items on your credit report and get them taken care of.

Baldylocks2 · 01-20-2005, 09:36 PM

www.privacyguard.com has a 2-month trial for $1, which lets you pull your credit reports daily. The dispute the derog as "not mine" with the bureaus.

If you apply for loans "all the time" you might also have too many recent hard inquiries on your report.

hrdwareguy · 01-21-2005, 06:26 AM

There is another website called http://www.annualcreditreport.com , different parts of the country will gain access as the year goes on. This site gives you one free credit report from each agency per year.

wolf · 01-21-2005, 12:51 PM

I know I have a credit card through capital one and for $5 a month they offer a service where they send you your credit report once a quarter. Leading up to the purchase of our house we found it to be a very good idea. The wife and I were fine, but it was one less thing to worry about when we got serious with the mortgage guy.

goddfather40 · 02-01-2005, 10:38 PM

I have had many troubles with my dad's credit history affecting my credit history too. Just like in your case cleanx, we have the same name. You are going to have to file a dispute with one of the bureaus and they'll hopefully remove the bankruptcy, and inform the other bureaus of the mistake. I had roughly 6 or 7 credit items on my credit report that actually belonged to my dad (and mom). Experian's report even stated that my spouse was my mom! Everything was removed except one court judgement for a dentist that my parents couldn't afford to pay. When I disputed it, Experian said the court confirmed that it was me. Unfortunately, the court case had no social secuity number, no birth date on the record. Since I had the same name and lived at the same address at the time, the have no way to prove that it wasn't me (talk about guilty until proven innocent). I hope this isn't the case for your situation.

Moral of the story, since you share a common name with your dad you have to be vigilent in checking your credit report and making sure things stay accurate.

01-18-2005, 08:00 PM	#1 (permalink)
cleanx Crazy Location: chatsworth, california san fernando valley	Credit Question my credit is very good but for some reason my score dropped bad (I apply for loans and such all the time to buy and then re-sell property) the last couple I have applied for came back saying that they couldn’t give me the loan based on negative history.. I find out my dad's bankruptcy is in my name too (we have the same name) any one have an idea what I can do? __________________ The Nation that makes a great distinction between its scholars and its warriors will have its thinking done by cowards and its fighting done by fools." -Thucydides

01-20-2005, 09:32 AM	#2 (permalink)
hrdwareguy "Officer, I was in fear for my life" Location: Oklahoma City	You will need to get a copy of your credit report from each of the 3 credit bureaus. TransUnion, Experian, Equifax. Check out their websites for information on obtaining your report. Once you have your report, you can dispute inaccurate items on your credit report and get them taken care of. __________________ Gun Control is hitting what you aim at Aim for the TFP, Donate Today

01-21-2005, 06:26 AM	#4 (permalink)
hrdwareguy "Officer, I was in fear for my life" Location: Oklahoma City	There is another website called http://www.annualcreditreport.com , different parts of the country will gain access as the year goes on. This site gives you one free credit report from each agency per year. __________________ Gun Control is hitting what you aim at Aim for the TFP, Donate Today

01-21-2005, 12:51 PM	#5 (permalink)
wolf Ravenous Location: Right Behind You	I know I have a credit card through capital one and for $5 a month they offer a service where they send you your credit report once a quarter. Leading up to the purchase of our house we found it to be a very good idea. The wife and I were fine, but it was one less thing to worry about when we got serious with the mortgage guy. __________________ Thousands of years ago, cats were worshipped as Gods. Cats have never forgotten this.

02-01-2005, 10:38 PM	#6 (permalink)
goddfather40 Llama Location: Cali-for-nye-a	I have had many troubles with my dad's credit history affecting my credit history too. Just like in your case cleanx, we have the same name. You are going to have to file a dispute with one of the bureaus and they'll hopefully remove the bankruptcy, and inform the other bureaus of the mistake. I had roughly 6 or 7 credit items on my credit report that actually belonged to my dad (and mom). Experian's report even stated that my spouse was my mom! Everything was removed except one court judgement for a dentist that my parents couldn't afford to pay. When I disputed it, Experian said the court confirmed that it was me. Unfortunately, the court case had no social secuity number, no birth date on the record. Since I had the same name and lived at the same address at the time, the have no way to prove that it wasn't me (talk about guilty until proven innocent). I hope this isn't the case for your situation. Moral of the story, since you share a common name with your dad you have to be vigilent in checking your credit report and making sure things stay accurate. __________________ My name is goddfather40 and I approved this message. I got ho's and I got bitches, In C++ I branch with switches -MC Plus+

01-20-2005, 09:36 PM	#3 (permalink)
Baldylocks2 Upright	www.privacyguard.com has a 2-month trial for $1, which lets you pull your credit reports daily. The dispute the derog as "not mine" with the bureaus. If you apply for loans "all the time" you might also have too many recent hard inquiries on your report.