My credit is combined with my brothers credit, who of course is an idiot and has really bad credit. Whenever I apply for a loan or CC, or even try to open a new bank account, I get rejected. I finally went to myFico.com and got a credit report, found out our credit is combined. Do you have any suggestions on how to fix this? Do I have to contact all 3 credit companies? The idiots at myFico.com could not give me my Experian credit report number so I cannot talk to anyone at Experian over the phone because if I don't enter a credit report number I just get hung up on. Do I need to buy all 3 reports, because freecreditreport.com does not work for me. How long does it usually take for them to fix it? I can only proove to them that out of the 12 accounts on the report 2 are mine, how can I proove to them the rest are not mine? Even though I entered my DOB and SSN for the credit report, it showed my brothers full name and all his crap. Any help would be greatly appreciated, I have to get a loan for next semester and if I can't, I'll be screwed. Thanks!
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what you have to do no matter is this
make a copy of your report circle the errant accounts on the copy
then copy that copy three times
use this dispute form (fill out only the personal info part and write in that your report has been combined) then include, copy of your drivers license, utilities bill, ss card, mail to all the bureaus certified delivery mail
wait thirty days
Wednesday, May 07, 2008
My credit got combined with my brothers credit
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