How do I go about fixing my Credit when it is mixed in with son's?

Question

I have or had good credit, son is a junior with same name as me, his credit is bad and now its all mixed in with mine, where do I start at getting it untangled.?

Answer 1

Write the credit bureau's and dispute the personal credit information that is on your credit report.

Experian

P.O. Box 2002

Allen, TX 75013

1-888-397-3742

Equifax

P.O. Box 740241

Atlanta, GA 30374

1-800-685-1111

Trans Union

P.O. Box 1000

Chester, PA 19022

1-800-888-4213

Answer 2

First, understand that unless you do your homework and completely understand how the law works, you are not going to get anywhere.

Start by visiting a site called http://www.creditinfocenter.com and read all of their pages regarding credit repair and disputing items on your credit report.

Next, get a copy of your credit report by visiting http://www.annualcreditreport.com (it's free to get your reports here).

Next, send a dispute letter to each of the credit bureaus and contest every negative item (both yours and your sons....make them prove everything!).   Supply them with a copy of your drivers license and a copy of a utility bill with your name/address on it.  This proves who you are and your address.

At the same time, send a "demand to validate" letter to each creditor who is listing negative info on your report.  Inform them that the item being listed is not yours, and demand that they delete it.

Be sure to send all letters by certified mail/return receipt.  Yes it's going to cost you a lot, but if you don't have proof they were notified you can't proceed to the next step.  

Keep accurate records of who you talk to, dates and times.

Now wait.......if the item is not deleted within 30 days send out another round of letters, but demand action within 7 days or you will file a lawsuit.  This letter basically removes their defense that they didn't know of the error, and prevents their defense of an administrative error (the famous FCRA "oops" clause).

Still there?  Contact a lawyer that is a member of the NACA (a consumer advocacy group) and file a lawsuit.  They MUST prove this is your debt or risk a $1000 per incident penalty, plus punitive and other damages.  

Do your homework first.  If you don't know how this game is played they will run all over you...and trust me.  They know the rules.