My fiance and I are looking to buy a home. Our mortgage broker looked at his credit report and his sons unpaid fines are listed as leins on his credit report. (They have the same first and last name) How do we begin to get this off of his reports?
2007-08-19 11:17:03 · 4 answers · asked by Anonymous in Business & Finance ➔ Credit
First, get a copy of the credit report. Anything that you dispute, put in writing to the credit bureau. You can also call the bureau toll free @ 1 877-322-8228 and tell them to mail you the forms that you have to fill out. You can also advise the company that you will sign an affidavit of fraud but I would wait until you hear from the credit bureau. I believe they have 30 or 60 days to respond or it comes off. You can also advise your son over the phone unless he gets his act together, you may sue him.
2007-08-19 20:11:06 · answer #1 · answered by Anonymous · 0⤊ 0⤋
you need to go to the lender and say that the report is erred. they should tell the agency that gave them the report that it may be an error, they will investigate, and solve the problem if it is an error. at least that is what my lender did when i found an error. if the lender doesn't do it call the reporting agency yourself and report the error. then they have 30 days to check it out and either clear it or give you a reason its still on there.
2007-08-19 11:26:55 · answer #2 · answered by george 2 6 · 0⤊ 0⤋
The simplest answer is this:
Write a letter to the credit bureau providing solid proof that the debt is not his. The credit bureau will investigate and remove the credit if it's in error.
If they won't remove it, or the company that put the ding on his credit won't admit fault, then you can seek a credit attorney. Credit attorney's main job is to legally get mistakes removed from credit reports.
Unlike companies that say they can "boost your score by 100 points in 30 days" - credit attorney's are legitimate legal companies who will help to resolve these issues for you.
For more information on credit attorney's you can visit my site here:
http://www.1-800badcredit.com/bad-credit-repair.html
Good luck to you and I know you'll win in the end!
2007-08-19 13:49:55 · answer #3 · answered by Anonymous · 0⤊ 1⤋
if the son was under age when he got the fines, then the credit report is correct, a parent is responsible for Juvenal children's bills and fines.
2007-08-19 11:26:09 · answer #4 · answered by Jan Luv 7 · 0⤊ 0⤋