topic New some advice in Understanding FICO® Scoring

New some advice

Anonymous — Mon, 04 Feb 2013 22:00:02 GMT

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

Balance	$2,775	$678	$0
High Balance	$2,750	$1,648	$0
Debt to Credit Ratio	101%	41%	0%

Re: New some advice

bobebob — Tue, 05 Feb 2013 01:56:01 GMT

@Anonymous wrote:
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
Balance $2,775 $678 $0
High Balance $2,750 $1,648 $0
Debt to Credit Ratio 101% 41%
0%

You might be listed as a co-signer on those loans for them to show up under your credit report. If you co-signed the loans, you are stuck with them and pray that he pays them.

If it is an error like you have similar names or something, or if he used you as a co-signer illigitimately I would challenge it with the credit reporting agencies and make them prove that it is real.

Re: New some advice

Anonymous — Tue, 05 Feb 2013 02:21:52 GMT

thanks.. I never co-signed on any loan.. But we do have similiar names

Re: New some advice

bobebob — Tue, 05 Feb 2013 05:39:10 GMT

@Anonymous wrote:
thanks.. I never co-signed on any loan.. But we do have similiar names

It should be a fairly straight-forward process to get them removed from your report then.

I had a judgment show up on my report once because the guy had the same first name and lived in the same apartment complex once. The apartment number was even wrong. I just disputed the line and it was removed within a month or so.

If you never co-signed the loan, you should be able to get it off fairly quickly.

Re: New some advice

Anonymous — Tue, 05 Feb 2013 20:06:22 GMT

Ok thanks