All of a sudden, TU started reporting these on my credit report (some are as old as five years and none have never showed up on my report before). I wrote TU a letter explaining these belonged to my son and I was never a cosigner nor dd I have any obligation. I got my dispute back, showing all 10 loans deleted. BUT, the actual report still shows six of them listed as mine. Is this just sloppiness? Do I need to write them again or will it take a few days for my report to change? Does this affect my FICO score at all in that they are all current and have never been late?