How do I get my fathers bankruptcy off my credit?? HELP!!?
A few months back I tried to get a store credit card. They declined because of bankruptcy. I have never filed bankruptcy. After that, I needed a place to live, so I tried get get several apartments…..All of them declined me because of this bankruptcy. I looked up my credit online, and could not find anything about bankruptcy. I paid off the (2) small bills that were on my credit, and managed to get an apartment by showing them my parents bankruptcy papers. They said it happens all the time!!
I cant figure out how to get it off my credit, or even see it on my credit. I think I used FreeCreditReport.com…
(Me and my father both have the same 1st name)
Please help.
Posted June 15th, 2010 in When To File Bankruptcy. Tagged: apartment, apartments, bankruptcy papers, parents, store credit card.
If you are declined due to a bad credit report, you are entitled to a free copy of the report.
Once you pinpoint the problems, write a letter to the credit reporting agency explaining the problem, and the mistake. You can ask to have the letter kept in your files.
Also write to the organization (mortgage company?) that reported the bankruptcy on your credit report. Explain the mistake, give them your dad’s information. Then request that they fix the error, and send the credit agencies the new information.
June 15th, 2010 at 11:49 pmYou need to carefully review ALL THREE (not just one) of your credit reports and dispute the inaccurate information.
Don’t use freecreditreport.com. It is a ripoff.
June 15th, 2010 at 11:49 pmYes you need to get copies of all three credit reports, then contact all three and get it fixed. Once that is done, start using Jr. on the end of your name for EVERYTHING, it will help to differentiate you from him.
June 15th, 2010 at 11:49 pm