2007-01-28 02:34:31 · 7 answers · asked by djp21133 1 in Business & Finance ➔ Credit
You need to ask the question with more detail. For instance, how they go on your report in the first place. If he is a dependent or not. Whether you co-signed or not. Things like that.
2007-01-28 02:43:04 · answer #1 · answered by wildraft1 6 · 0⤊ 0⤋
You didn't mention whether or not you were up to date on the medical bill. If you aren't, then you have the problem right there. Have you tried to make a payment arrangement? Recently I had a medical bill over $1,000 and this was with the best health care insurance that I could get (Federal Retiree and we have the same access to health insurance that the President and the Congress have, but I digress). Anyway, I called up the provider and asked if they would arrange a payment schedule. They said no problem and I can now pay it off over the next year. Also check and see if there are any derogatory remarks on your report. You can get a free report once a year, or if you have been turned down, you can get a free report by contacting the credit bureau that is mentioned in the letter that the creditor sends to you.
2016-03-29 06:18:36 · answer #2 · answered by ? 4 · 0⤊ 0⤋
I will put my 2 cents in -
Like most everyone said, if you co-signed for your son, then you are responsible for those bills.
However, the other thing that could be happening here is this...
You may have a mixed file ! Is your son a (Jr) living at the same address as you or at one time did live with you ?
If yes - you can have your file separated, but you will need to contact the credit bureaus to do so.
You'll need to have your sons (ssn, address,etc) handy. If you already have a credit report, there should be a number to contact the bureau. You'll need to do this with all 3 bureaus.
If you need a free credit report from all 3 bureaus (or just 1), go here... https://www.annualcreditreport.com/cra/index.jsp
Good luck
2007-01-28 04:15:38 · answer #3 · answered by Develin 2 · 1⤊ 0⤋
Write to the credit reporting agencies and challenge the entries. Keep in mind that if your son is a minor, you are liable for his bills. In that case, they're properly reflected on your record.
2007-01-28 03:37:16 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋
I hope this would help you:
How to Clean Up Credit Report
Before approving your loan, your lender contacts the credit bureaus to get your credit report. Bad credit report will severely restrict your credit. In some cases, you may not even get the credit. So it is vital to get your credit report cleaned. To enable you to achieve that you have to alter your financial habits
2007-01-28 16:56:29 · answer #5 · answered by mar c 2 · 0⤊ 1⤋
If they are shared or cosigned bills, you are considered responsible. If not, you need to dispute them with the agency under the grounds that they are not your accounts.
2007-01-28 03:05:04 · answer #6 · answered by Anonymous · 0⤊ 0⤋
Did you cosign for him, than you are responsible
2007-01-28 02:44:30 · answer #7 · answered by Anonymous · 1⤊ 0⤋