i bet this is a quite common problem with credit issues yet i was unable to search through the posts and find something to help me. i am a newbie afterall. anyways, my problem is that everytime i want to refinance my mortgage or apply for any other type of mortgage loan, my father's credit history gets mixed up with mine. it screws me up in the debt ratio and also that his credit has several derogs on it. current situation is that my credit was pulled by a lender but my dad's derogs are setting me back to go a-paper. i asked the the lender to tell me which bureau shows the items that do not belong to me and he told me it was transunion. i requested a free credit report from transunion to verify and dipute such items but the items did not appear on my credit report from transunion. i asked the lender to fax me a copy of the report he had and it was from a vendor who pulled from all three bureaus. however, transunion had two records one for me and one for my father. TU1 corresponded to me with my social and bday and TU2 corresponded to my fathers social and birthday. all of the items that belong to me either show TU1, EX1 or EQ1, but all of the ones that do not belong to me and would like to permanently remove form my credit are all filed under TU2. I would greatly appreciate any help.
