My mom's Credit Report

[Octa 0]

So my parents want to buy a new house and the mortgage broker pulled their credit reports. My mom was surprised to see that my chase credit card, starbucks, old navy card, carson pirie card, student loan, ...basically everyhting shows up on her credit report. They told her she has too many lines of credit open. Ofcourse, she has two of everything on there. DOes anyone know how can we resolve this issue? should we start at the social security office? It is weird that the credit report shows her name and under her name 2 social security numbers...one is her number and the other number is MINE. How can my social be under her name? I have a different first name and birth date and place. How can this happen? /////....

Octa

[Mirorgate 0]

So my parents want to buy a new house and the mortgage broker pulled their credit reports. My mom was surprised to see that my chase credit card, starbucks, old navy card, carson pirie card, student loan, ...basically everyhting shows up on her credit report. They told her she has too many lines of credit open. Ofcourse, she has two of everything on there. DOes anyone know how can we resolve this issue? should we start at the social security office? It is weird that the credit report shows her name and under her name 2 social security numbers...one is her number and the other number is MINE. How can my social be under her name? I have a different first name and birth date and place. How can this happen? /////....

Octa

file a grievance with the credit companies stating that she doesnt owe anything. dispute it all... they will have to prove it is hers... or dismiss it. and in the process.... start to clean up their mess.

[jordanianprincess 0]

Starbucks has a credit card?

[Mirorgate 0]

Starbucks has a credit card?

$7 for a venti latte half mochachino half frappachino with extra chocosauce.. gets expensive after a time i'm sure

[Kajikit 65]

Sounds like the f#ed up I hope you can get it straightened out... (and if all your credit is being reported in HER name, what's happened to yours?)

[Fandango 1,440]

So my parents want to buy a new house and the mortgage broker pulled their credit reports. My mom was surprised to see that my chase credit card, starbucks, old navy card, carson pirie card, student loan, ...basically everyhting shows up on her credit report. They told her she has too many lines of credit open. Ofcourse, she has two of everything on there. DOes anyone know how can we resolve this issue? should we start at the social security office? It is weird that the credit report shows her name and under her name 2 social security numbers...one is her number and the other number is MINE. How can my social be under her name? I have a different first name and birth date and place. How can this happen? /////....

Octa

Get a copy of the credit report and dispute it with the credit reporting agency, not each individual card. Deliver them written notice that 'X charge card' isn't hers, and then they have 30 days in which to prove that it is, otherwise it must be taken off.

[Octa 0]

Starbucks has a credit card?

I know I know,,,,,they do though and I get rewards anyways I have to stop going to that place

So I also need to get a copy of my Credit Report to see what is on mine cause I never saw mine so I have no ideea....But I am guessing since my social is on her nameee it will be the same credit report. And I have tried to request my credit report once and they said I gave the wrong info (name, etc) for the social security number.

We are making notes on what is mine and what hers right now so that tomorrow we can take care of this. I don't know...it's really messed up.

[vartan 0]

I have a bankruptcy that shows up probably every 3 years on my credit report that isn't mine.. unfortunatly I have a common name. yeah get your credit pulled and dispute.. have your mother too.

[CutienPurg 0]

So I also need to get a copy of my Credit Report to see what is on mine cause I never saw mine so I have no ideea....But I am guessing since my social is on her nameee it will be the same credit report. And I have tried to request my credit report once and they said I gave the wrong info (name, etc) for the social security number.

We are making notes on what is mine and what hers right now so that tomorrow we can take care of this. I don't know...it's really messed up.

So .........you work and pay taxes as well as file taxes under your own name and soc #......right? Um I guess I would check with the IRS , the Social Security Administration etc to be sure all of your info is correct with them to be sure that somehow your social security number didnt get crossed with your moms somewhere in the system. Did she co-sign your student loan? If so, it would show as an extended line of credit for her and limit the amount of credit she has available until she has been released from the debt. Another thing ..........is mom included on your cards as an authorized user? Again , in that case it would show on her credit.

Weird stuff eh ....

[Octa 0]

I have a bankruptcy that shows up probably every 3 years on my credit report that isn't mine.. unfortunatly I have a common name. yeah get your credit pulled and dispute.. have your mother too.

.

.so whats up with this credit report agencies, aren't they doing their job? Isn't it obvious that some people are not one and the same since they have a differennt birth date and place?

[vartan 0]

.so whats up with this credit report agencies, aren't they doing their job? Isn't it obvious that some people are not one and the same since they have a differennt birth date and place?

Good question don't our social security numbers set us apart? no.. sad thing is .. the first time I had a bankruptcy on my report was at 18.. funny huh? its bad.