My credit was affected negatively before I was 18. I am now 19 with horrible credit because of it.?

Question

The negative activity was put under my name and my parents. How do I get it removed off my reports?

It wasn't a loan cosigned or anything. It was a doctors bill which should not have affected my credit.

Answer 1

Hmm. What state?

When "necessaries" such as food, clothing and medical care are provided to a minor, he is liable to pay for such items.

The wrinkle here is that Mom and Dad were responsible for your minor self.

I can see why they're shotgunning this to all of your credit. It sounds like a sustainable position for them.

Just a thought: Dispute this with the credit reporting agencies and the hospital (or whoever bought the debt).
"I didn't sign anything, and even if I did I was an unemancipated minor under the care of my parents. They're liable for this bill, not me. Please update the records accordingly."

The success in this may vary from state to state.

Answer 2

If you were a minor when the incident happened, I would dispute it both with the hospital/doctor and the credit bureaus. Explain to both that you were a minor and the bill should not have been issued to you. You probably should show proof of age while disputing, like a copy of your drivers license or birth certificate.

Answer 3

Hard to do. If in the USA, you have to wait about 7 years before if goes off the report. Once you get bad credit, it is hard to get off except if it was an identity theft. Even then tht takes time to get off but at least not 7 years.

Answer 4

You can do on line disputes with the various credit agencies
or you can hire firm like lexingtonlaw.com to fix you credit

Answer 5

If your parents cosigned for a loan when you were under 18, you're stuck with the report if it's accurate.

Answer 6

Start off with a secured credit card and work your way from there. I know it sucks but its one way to get yourself back up.