i have a car that was put on my credit that got repossesed. and was not mine. never signed for it or anything like that. i have called to get it off and they say all there information is correct. i asked them how they can put that on my credit when social security numbers dont match they had no answer just repeated to me there info is correct. so i have a judgement for 15,000 against me. . also not allowing me to get approved on many things.. can i sue the people for putting that on my credit and obviously ruining my credit score and so on. since its false?
i have disputed it. got nowhere. they called me back told me i have to prove its not mine. but since there the ones who made the mistake and messed my score up shouldn't they pay for the damage they have caused. its been on there since around 2002 its my fathers. same name not same middle. not a junior. just lived at same address at the time.
Is there a judgment against you, or is there a judgment against your father that is reporting on your credit report?
I think the proper procedure is to: a) get a current credit report from the CRA that is listing this b) dispute this as "not mine" with the CRA. Provide the information necessary to support your claim: e.g. this is your father's (Full Name, address, SSAN) and not yours (full name, address, SSAN). You might include a photocopy of your driver's license and social security card as well. Send this in the Mail (CMRRR) so you can include your evidence. c) if it comes back as verified, send another letter requesting the information obtained to verify it. d) it might fall off after that, but you have to look up the FCRA to see what the correct language is. If you just do it on line, it's too easy to ignore you and make you feel like you're the guilty one.
Have you read this sites sticky's,what could a financial advisior do for credit repair.Your not a spammer are you?
I believe maybe he is. This is the second time I've seen him refer to a financial advisor. If you want budgeting and investment advice, a financial advisor may help, but certainly not for credit repair.
