Question about credit report. Serious answers only please?

Question

If you are under 18 can items go on your credit report. Like medical bills that weren't covered by your parents insurance. Or if you file a dispute will it be taken off?

Answer 1

With years of credit experience:

Yes, contact the credit bureaus via mail. Send a copy of your birth certificate or official document with your birthday on it with a formal complaint.

See: www.ftc.gov

for your rights.

Answer 2

The person who signed as being legally responsible for any unpaid bills is the one they will go after to collect. I am not sure that they can hold you legally responsible if you were under 18 at the time. You can file a dispute with the credit bureau. They have 30 days to investigate and reach a finding. You could tell them that you were not 18 at the time and are not legally responsible for the debt. You can also contact the creditor and explain that you were under 18 at the time and are not responsible for the debt. The creditor could straighten this out very quickly with the credit reporting agency.

Answer 3

If you are under 18, things could appear on your report. There are horror stories of kid's credit being ruined by parent's putting phone bills in their name and not paying. If you are under 18, you should dispute any negative items on your report.

Answer 4

How to Fix = Pay. Do not try to open any credit until this is paid. Getting new credit does not improve your credit when you have negative items.

Answer 5

if you were under 18 at the time of the medical care, then i think you'll be ok. companies can't give out credit cards to minors, i think this kind of falls into the same category.

Answer 6

If you are under 18 then no legal contract is valid. For example if you had a credit car that you didnt pay for......you are not responsible for it.