Father Son Merged credit report and sons bad credit.

Quoting R Person
Hi Bo,
At the current time, I am not concerned with my own credit or score. It's got to be excellent because I average 3-4 pre-approved credit card offers a week. I have ordered a free copy of both mine & husband's reports just recently, but not the fico scores.

The concern is my husband's account. My husband has never been late on any bill or credit card, ever. The problem is our 36 year old son has the same name and has terrible credit, and it keeps getting reported on my husband's account. Three times over the past 15 years, we have disputed all the incorrect items on his account, gotten it cleared up, and the credit card offers started coming in again (by the way-those are shredded, not applied for). Within 6 months to a year, it's back to the same way it was before. We have finally given up for the past 5-7 years since it seemed that no matter what we did, they would continue to get my son's reports back on my husband's credit.

We can't afford to order his credit report 3 or 4 times a year to keep track
of this, and actually, it gets rather tiring since it takes a minimum of 2 months with back and forth disputing to get something done properly. Is there anything that can be done to make them realize that the birthday/age/social security numbers are not the same and to stop putting reports on the wrong account?

Thanks.
R PERSON

Date: Tue, 2 Aug 2005 08:40:42 -0700
From: Bobo Majors
To: Real Person
Subject: Re: Credit Report Problem
Put a fraud alert on his account with contact info before and other credit is extended. These alerts usually only last about 1 year so you will more than likey have to do it each year. After a few years someone usually gets the point.
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