My credit got combined with my brothers credit

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

Medical collections, paid off, duplicate accounts, 7 years old, refi my home

I went to the bank 2 weeks ago to refinance my home and add a couple of bedrooms to my home... I was told that I need to get my credit score up to 600 to get the loan... I have disputed a lot that is on my account.. I had 2 account that have been paid off 3 years ago, they are showing up as 5 separate accounts with same banks in 5 different city's... I had 2 medicinal bills I paid off 2 weeks ago how longs will it take for them to come off of my credit report??? They emailed the reporting agencies after I paid them... I received a phone call about 15 min's ago, it was from a collection agencies that they had a old bill, wonted to know if I wonted to work some type of Payment options out so it will not go on my credit record... I asked the girl what was the date of the bill... It was to a local hospital dated December 6, 1999.. Can they still report this to the credit bureau???? thanks for the info

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last question
if the bill was sold for pennies on the dollar to the collection's, they can collect, but not put it on your report or threat to sue.
second question
those should take no longer than 30 days.
some of those duplicate accounts might come off. I would call the original creditor and talk to them about this action. three states, or cities, or accounts or whatever and find out if you can get some of that merged (deleted). Thell them you will which of the duplicates you will dispute so thye don;t have to do any work juts dont respond.
pay down any balances that might be more than 80% or your high credit limit

merged my sons and my husbands cedit report

hello again bo, I am so mad I dont know what to do or who to call I emailed you a couple of months ago I was the one who has to refinance my home I have a arm, well anyway for 6 months now I have been valadateing disputing and writing letters to clean up our credit, well since they merged my sons and my husbands they put a fraud alert on my husbands credit report. Well I have been getting all them letters from eq, trans exper. which say they have been deleted ok were doing great we are all done and apply for a home loan and they didnt take anything off my husbands eq report, I did not pull his reports online I just assumed after all I have Offical letters stating they deleted these, I was so mad FIRE was coming out my ears, this was on friday, today is a holiday. who do I call eq can they update the file I read somewhere if someone else (like a bank pulls your report and there is neg info on there thats not suppose to be there after you disputed it they are in violation. Please help me what should I do? thanks
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use copies of the letters to dispute the files at the appropriate bureau
should take about a month
www.oskie.com/credit-dispute.htm

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.