Hello all, I've been battling for the past year and a half now, and only with some minor resolve, negative items and accounts on my report due to my father and myself sharing the same name. I first took notice and real interest when I applied for a sears card and was denied back in early 07, ive always bought and owned everything I had up out right up until this point, so I was a ghost I accuired a copy my credit report and discovered many negative and incorrect items, around 9 disputes, I was a member here at this time and wrote all the letters out, experian was no longer cooperative with MyFico anymore at this point, So I doubled the letter from trans and exifax For.. experian, I then mailed all three of them certified and waited for that month to pass. Within a week or so exifax and trans union had deleted and changed everything I disputed.. Im thinking sweet now just experian needs to respond. Several weeks later I recieve a letter from experian saying i needed to dispute them properly within there site and there discrepancies. Okay so I do, and i mail it certified then wait again, weeks later I recieve there letter, which read that most of the items have been changed and deleted but there was a revolving credit card account from B of A that shows 3k negative standing. My fathers of course, so i redispute with a new letter and proof of my identity and my fathers, by means of social security numbers and state photo Id's. I also call them and talk with a tech support person who is from india and did NOT speak good english. after an hour of broken conversation think I have it worked out, to later find out the account is still delinquent . I make my father call B of A, he tells them to delete the account or atleast take it off my report, and on to his report so information is correct and his ghost son, ME no longer suffers from poor credit. They tell him it would hurt me more to remove the account all together and rather he should pay on the account so it slowly builds back into a positive account on my report, and once its paid that I would have a credit card with a 3k limit that he, my father would have paid on for the sake of fixing my score and then I will have scored that card to use, since this is his account that is under all my info. I felt that it was fishy and he should have had it cancelled, since my score had already dropped from 579 to 509 over the course of about a year and still dealing with this B of A business. it was mixed up because they had entered his name and my social and had confused us in there clerical department in a very bad way. This was also in part of my father having medical issues due to an auto accident he was in and was sueing the person responsible, it went to trial by jury and in the mix of the prosecuting attorney digging in his past and looking in records i personally feel information was mixed and confused on the clerical legal scale between my father and I, Our names differ by very different middle names! MY QUESTION IS.... he has been paying on the account and I have not seen any changes on my score alert or on a recent copy of my report in the past four months since he started paying on it! DO I hire a lawyer to reinquire about the B of A account and take legal action ??
