https://ficoforums.myfico.com/t5/General-Credit-Topics/Can-someone-help-with-SR-JR-credit-issues/m-p/4402#M2576 <DIV></DIV><DIV><BR /><BLOCKQUOTE><DIV><HR />dougjam84 wrote:<BR /><DIV>Since I turned 18 in 2003 I have been having nothing but trouble with my credit due to my father and I sharing the same full name, and same address.&nbsp; I have had multiple credit cards and loans and have never paid late, missed payments or defaulted in any way.&nbsp; My father has TERRIBLE credit--bankruptcies, collections, etc., and his info repeatedly shows up on my report!!!&nbsp; I have disputed over and over, but these things keep coming up.&nbsp; Can someone please help me!!!!</DIV><BR /><HR /></DIV><DIV>&nbsp;</DIV><DIV>Even though you have the same name most credit is reported by ssn.&nbsp; With such terrible credit, is it possible that your father used your ssn at some point to open credit accounts?&nbsp; Not that he meant you any harm, probably figured he would pay it off and give you a great credit rating.&nbsp; Do you have ssn other than your own showing up on credit reports?&nbsp; I would put a freeze on the report and contact the credit bureau in writing.&nbsp; IT is possible that they merged your files by mistake.&nbsp; If there are bad DOBs on file and SSNs you have&nbsp;a case.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>This is a hard battle to fight sort of like recovering from identity theft and you may need an attorney's help.&nbsp; If you can't afford one this is a case that an organization like legal aid is there for.</DIV></BLOCKQUOTE><BR /><DIV></DIV></DIV> Sat, 28 Apr 2007 20:58:43 GMT Anonymous 2007-04-28T20:58:43Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Can-someone-help-with-SR-JR-credit-issues/m-p/4397#M2574 <DIV>Since I turned 18 in 2003 I have been having nothing but trouble with my credit due to my father and I sharing the same full name, and same address.&nbsp; I have had multiple credit cards and loans and have never paid late, missed payments or defaulted in any way.&nbsp; My father has TERRIBLE credit--bankruptcies, collections, etc., and his info repeatedly shows up on my report!!!&nbsp; I have disputed over and over, but these things keep coming up.&nbsp; Can someone please help me!!!!</DIV> Sat, 28 Apr 2007 20:36:39 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Can-someone-help-with-SR-JR-credit-issues/m-p/4397#M2574 Anonymous 2007-04-28T20:36:39Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Can-someone-help-with-SR-JR-credit-issues/m-p/4402#M2576 <DIV></DIV><DIV><BR /><BLOCKQUOTE><DIV><HR />dougjam84 wrote:<BR /><DIV>Since I turned 18 in 2003 I have been having nothing but trouble with my credit due to my father and I sharing the same full name, and same address.&nbsp; I have had multiple credit cards and loans and have never paid late, missed payments or defaulted in any way.&nbsp; My father has TERRIBLE credit--bankruptcies, collections, etc., and his info repeatedly shows up on my report!!!&nbsp; I have disputed over and over, but these things keep coming up.&nbsp; Can someone please help me!!!!</DIV><BR /><HR /></DIV><DIV>&nbsp;</DIV><DIV>Even though you have the same name most credit is reported by ssn.&nbsp; With such terrible credit, is it possible that your father used your ssn at some point to open credit accounts?&nbsp; Not that he meant you any harm, probably figured he would pay it off and give you a great credit rating.&nbsp; Do you have ssn other than your own showing up on credit reports?&nbsp; I would put a freeze on the report and contact the credit bureau in writing.&nbsp; IT is possible that they merged your files by mistake.&nbsp; If there are bad DOBs on file and SSNs you have&nbsp;a case.&nbsp;</DIV><DIV>&nbsp;</DIV><DIV>This is a hard battle to fight sort of like recovering from identity theft and you may need an attorney's help.&nbsp; If you can't afford one this is a case that an organization like legal aid is there for.</DIV></BLOCKQUOTE><BR /><DIV></DIV></DIV> Sat, 28 Apr 2007 20:58:43 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Can-someone-help-with-SR-JR-credit-issues/m-p/4402#M2576 Anonymous 2007-04-28T20:58:43Z