02-04-2013 02:30 PM - edited 02-04-2013 07:35 PM
Hi.. Im not exactly sure if im posting this in the correct place(so plz forgive me)
I recently looked up some of my credit scores and I found out that my brothers student loan is on my credit report..
What kind of actions do I need to take to get these removed..I guessing this is why my credit scores are low for Transunion and Equifax its reporting to those two..
Any help will be greatly appreciated
|Debt to Credit Ratio||101%||41%|
02-04-2013 04:26 PM
Why are these accounts on your report?
Is it a mistake? Do you and your brother have similar names, went to a similar school, something like that?
Or is it because you are listed as a co-signer on the loan? If you co-signed on the loan for him, you may not be able to get them removed from your report at all. Some lenders will remove a co-signer, but generally not until the loans are in good standing and the primary borrower can show that they have the credit and income to be responsible for the loans on their own.
Once we know why the accounts are there, we can help you formulate some next steps. If you don't know, it would be good to talk to your brother and ask to see the paperwork to make sure you weren't listed as a co-signer without your knowledge.
02-04-2013 07:13 PM
Yes we have similar names.. I never co-signed
I called him and told him about it and he didn't understand why it was on my record
Actually when I put in my social it brings up his name(Just weird)
02-04-2013 09:23 PM
It sounds like you and your brother are going to have to do some work to be sure that what's on your credit reports is yours, and monitor the situation. When you put your social in, where does it show his name? On this website?
I honestly don't know a lot about this situation, but there are people in these forums who do. Maybe post the details in the Rebuilding Your Credit forum? This may take some work to get the CRAs reporting correctly, and you should also verify with the original lender that they have all of the correct information (exact name and social) on file.
02-05-2013 12:03 PM - edited 02-05-2013 12:05 PM
Ok.. Im trying to see now what would be the steps to get him off my report..
His name pops up on my Equifax and Transunion
02-06-2013 05:52 AM - edited 02-06-2013 05:53 AM
His name and your name? When he does the same with his social, what does he see on his reports? I would get full reports for both of you using the free annual credit reports offered.
02-06-2013 07:22 AM
i got him to call Sallie Mae to see if they had all of his info correct and it was..
But its still on my credit report.. I put in a dispute for Equifax and Transunion telling them the problem..
Hopefully something comes out of it
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.