Denied credit I did not sign for

Yes, We received a letter from Commerce Bank . Saying they denied a loan application which we know nothing about
We bought a Motor Home. But we have never had any problems with our credit. I would like to know what is going on with our credit.
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i do not remeber a previous conversation for some reason
but i would get my reports for sure and get the scores
you can do www.annualcreditreport.com and then upgrade for scores i think 5 bucks for each of 3 bureaus
or go here and get all 3 reports and cancel for free. http://www.credit.com/landing_pages/equifax_whos_viewing/index.jsp
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and
if you find problems, inquiries that are not yours and the like
dispute them with this form
and place a fraud alert with this form

Fraud on my credit report

I see something on my credit report called Applied Bank.. I never had an applied bank card. Balance shows $583.00 opened in 8/01/2001How do I go about this?
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dispute that
NOT YOURS
FRAUD SUPECTED
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Get a free credit report ---Credit Cards ---Personal Loans ---Get legal credit repair---Debt Consultaion ---LifeLock ---

I have two erroneous addresses on my credit report.

Two addresses are showing on my credit reports that don't belong there. How do I get these removed? 4444 Lamp Circle, Colorado Springs, CO 809164610 --- I've never lived at this address 4444 N. Powerbuilt Blvd, PMB 137, Colorado Springs, CO 833333 was a UPS box I used for a Business Account; not personal.
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the first one i guess you dispute say never been there
the second i would ask if you ever used it when you applied for credit, rent, checking accounts
someone might have been trying to get credit in your name or maybe a creditor typed in the wrong social, when someone else tried to get credit
i assume their is nothing else crazy on that
you should see some crazy inquires you never tried also if these addresses are less than 3 years old

Relative opened a credit card without my knowledge, it messed up my credit

A relative of mine opened an account without my knowledge and it messed up my credit and also a mortgage loan with late payments was my them also. How do I get the credit bureau to take this off my report.
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a relative?
a husband or sibling is about all that get away with this stuff
ask for your signature. ask the creditor. threaten to put in a complaint to your state attorney general

and how you could get a mortgage without your knowledge just doesnt sound right.
i need more information.
but the same would go for the mortgage.

on the surface this sounds fishy
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The mortgage is in my name but they live there and were suppose to pay the payments but due to illness have not been able to pay it on time a few times. The credit card account was under my name and social #. I just need to up my credit rating as my husband passed away and I need to move but my loan rate is 619 or so. I don't want to prosecute .I just want some way to get my credit repaired.
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under your name how
on the credit card first
the home loan second

did you sign for either
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I did not sign for the credit card and by the time I found out it had a high balance in it. Yes the loan is in my name but they make the payments and live there. It has been late a few times but is currently paid up and will stay that way. The credit card debt I am paying but I just want that to be on my credit report that I am not responsible
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I will have to say
even prosecution will not repair your credit in most cases. But if you plan to get monies back off a credit card deal, one always has to file a police report and go to court. period

as far as the house goes. if you let someone move into a home in your name with your loan on it expecting them to pay it and they did not then you are screwed. There is no law or inference that says just because you were not living somewhere that you had a loan that you are not responsible for the loan. You should have kept up with the payments yourself and made them if they were going to be late, and kicked theyre butts out if they didnt pay. doesnt matter if they were sick or even if they died. all that matters is if you made payments on time
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on the credit card, if you file a police report and go back on the card and whoever signed your name.
then
you can get that one off your credit in most cases. it will take work

on the house
if
you can catch these up and get the late payments behind more than 24 months behind you, then your score will go up.
i would suggest you selling the house NOW and eliminate further possible complications and, ensure you can get the late payments behind you.
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softer landing help your credit score information.
plus
you need 3 open good lines of reported credit that is at least 12 months old. I do not think this is your problem but thought I would mention it to make sure.
plus
you need to make sure all of your reported credit shows less than 80 balance owed to high credit limit.
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i know the prosectution sounds harsh. But what is worse, you taking the fall for someoneleses misdeeds or them.

another thing
if you are wishing to move or buy another house. Your debt to income ratio has to be less than 45% so you almost have to sell that other house in many cases unless your income is super duper
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I hope I am not being charged for these e-mails. The house payment has only been behind 2 times out of a 5 year period. It has been paid on time for the last 15 months. If I could get a document signed that I was not aware of the credit card fraud ( which by the easy I have on my credit report) do you think that will work.
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i dont charge anyone for anything ever

well you are about 9 months from the house payment not hurting your score with good reported credit the last 24 months. 15 months is behind you on your house now and that counts as one good line of credit. So your score will jump 20 or 30 points in 9 months more than likely. The only bad thing about a house loan or car loan is the late payments will show on your report until the day you pay it off in full and 7 years after that. it doesnt hurt you on your score if the lates are old. BUT they will show as one time in the life of the loan you were late. thats really sucks. It happend to me on a toyota car loan. Thats why I say sell the da.. house or refi the thing or something to stop this from happening

the only way to get the credit card off your report or the lates on the credit card off your report is to
and i have tried things of this sort myself plenty before
you have to show the error was on the creditors side. PERIOD.
You can do that if you can show or prove you did not sign nor ever meant to sign and they took an illegal signature for a relative? I feel sorry for the relative but more for you. If this relative means that much to you then just take the heat. but you cannot have it both ways i am afraid.
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the best thing for now
get your balances on all your open accounts to less tha 80 percent 50 if you are great
if you have a few of these, then your score will go up right now. promise

charges deliquent on joint account, other person was in prison

Hi,I noticed that the last time I checked my credit report there was some errors. I had an account that I never used and there were charges on it and it was deliquent, it was a joint account, but the other person was in prison during the time of the charge. I filed a dispute online through the credit reporting agencie, but they seemed to just disregard it. I also called the company about the account and didn't really get anywhere. What can I do? Also there was addresses listed on my credit report that were wrong, could this be a sign of fraud?
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when you say never used this line of new credit card credit but it was deliquent
it sounds like you opened it up with that guy in prison
if you didnt do that
or dont know this person
then yes that would be a sign of stolen identity or fraud

if you disputed and it, it wasnt yours, and you never signed anything with this person, and it did not fall off
THEN
use the results from your credit dispute to follow up with the creditor and call the state attorney general if needed after you use this free debt validation form

Law office letter says i owe money but it is not my acount.

Today, I received a letter from a law office telling me they have taken over a debt collection of almost $4,000.00 and lucky me, I can settle for $1,500.00. The trouble is, I do not have this account, I do not know what they are referring to. none of my personal information is on the letter, such as employment, social security number. Just a strange letter asking for money. The office does exist, I called and hung up. I wrote aletter telling this law office that this information is incorrect, or fraudulent. Any other things I can do?
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http://www.oskie.com/free-credit-help-sample-form-letter-letters.htm
send them the debt validation letter
then the follow up

How do i stop possible fraud. Never been at one address on credit report

I am looking for some help. I was wondering if you knew how I can update my address (which was changed by someone else accessing my information and obtaining my credit report) with the credit bureaus, without having to buy services from them. I called experion at the number your website provides and I found that I have to buy some services for them to do it over the phone. If I want to do it for free, it would be via mail and take about 30 days, in which whoever pulled my credit in the first place could already be using my credit. I want to change my info and protect myself, but I can’t unless I pay for services. Does that sound right to you?
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use this form say not my address never has been
include copy of a utility bill
http://www.oskie.com/credit-dispute.htm
here is a form for fraud problems
use certified delivery mail

Reports going to wrong addresses bureaus 800 number

I have moved from my previous resident for a year now and still get my reports sent to the old address. I’ve tried calling all 3 bureaus with the 800 number but can’t get a live person to help me update my record.

How do I update my mailing so all correspondences go to my new residence?
I was a fraud victim 5 years ago and still have those faulty addresses listed on my reports. How do I remove those?

I found your website full of information that no other website has provided. Very productive instead of being geared towards marketing something. You’re a life saver!
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use my dispute form
put in copies of your present address on a utility bill
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You know I paid this lady over $2K to settle disputes and clean up my credit and still 3 years later, I’m not doing any better. Your website provided a lot of information I didn’t have and I probably can do a better job and faster then she can.
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thats probably true

Merged, Fraud, Duplicate re dated accounts.

Question regarding merged, fraud, duplicate, re dated accounts. Are furnishers of information allowed to list a duplicate account? I have one account that was purchased by another company and both companies have listed it on my bureaus. The buyer of the account dated the account when they purchased it and then gave it a new account number. What should I dispute this under? Do you know where in the FCRA this is listed as unlawful? According to one collection agent she stated that they can do this because there are no laws preventing it. Is that true?
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thats is true
but make sure they follow to the letter here
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm
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Okay, that letter scares me it’s so good I would never have thought to ask those questions. It may not get it removed but it will give them a hard time I’m sure. I will use it immediately.

Thank you for all your help.

Merged, Fraud, Duplicate re dated accounts.

Question regarding merged, fraud, duplicate, re dated accounts. Are furnishers of information allowed to list a duplicate account? I have one account that was purchased by another company and both companies have listed it on my bureaus. The buyer of the account dated the account when they purchased it and then gave it a new account number. What should I dispute this under? Do you know where in the FCRA this is listed as unlawful? According to one collection agent she stated that they can do this because there are no laws preventing it. Is that true?
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thats is true
but make sure they follow to the letter here
http://www.oskie.com/how-i-get-paid-collection-collections-account-removed-credit-report-completely.htm

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Okay, that letter scares me it’s so good I would never have thought to ask those questions. It may not get it removed but it will give them a hard time I’m sure. I will use it immediately.

Thank you for all your help.