I am purchasing a home and my broker called to inquire about an AUTO loan showing on my credit report. I told her it did not belong to me and my automobiles are all paid off. She suggested we do a rapid rescore with CSC to get rid of it. CSC says that I have to dispute this with the actual creditor myself. I thought about it further and realized my brother just recently bought a car and the creditor, in error, reported it on my report.
Our names are spelled very similiar and our SS#s are very close. So items appear on both of our reports that should be on the other's report from time to time. As a real estate investor, I just usually do a rapid rescore to get rid of it but CSC said in this case, I needed to do this myself.
Do I just send a dispute letter with the creditor information, my SS#, name, address and let them know it should be on my brother's report? And what would a dispute letter look like in this scenario?
Forgive me for being wordy and a neophyte, but I'm new to forum.
