Hello all. There is a charge off scheduled to fall in April of 2018 on my Transunion and Equifax reports. However, the account does not belong to me. I am not sure if someone whom I lived with got these cards in my name. I was a student in college when the cards were opened. I have tried disputing, to no avail. What should I do? My Experian is pretty much clean. A score of 779. Equifax is at 650 and Transunion is at 687. I want to start looking for a loan for a mortgage, but I know that negative will play a huge role with the interest rates. Your advice and thoughts are appreciated. Thanks
