Removing incorrect data from a credit report
October 10, 2012 1:34 PM Subscribe
How to get incorrect credit cards off my credit report? I've tried just about everything. (Involves companion cards on a family member's credit card.)
posted by anonymous to Work & Money (6 answers total) 1 user marked this as a favorite
When I was a teenager (20 years ago), my dad set up companion cards for me on his American Express and department store credit cards. I never used these cards.
Since then, my dad's balances on these cards show up on my credit report. He's carried a moderate balance on both, but always paid on time. I didn't worry about these cards because the long credit history helped me more than it hurt me.
However, over the past six months, my dad has started to miss payments. My credit monitoring system alerted me. I called one of the credit companies, and they said my dad would have to remove my companion cards, then tell the card companies to notify the credit bureaus. I asked my dad to do this (about 5 months ago) and he said he did.
I pulled my credit reports last month and discovered that one report doesn't show my dad's cards, but the other two do. I called the two latter companies and both said they didn't receive notification from the card companies. My dad said he called again a few months ago to double-check and they said all was well. In the meantime, he continues to default on his payments (and isn't receptive to me offering to help him with his payments; he shuts down completely). My credit score is lowering.
Is there something I can do that I'm missing? I've used the "report discrepancies" feature on the online credit reports. I've sent letters in writing. I've called. If the credit card companies don't notify the bureaus, they won't take it off my report. I've asked my dad for the exact credit numbers/information so I can call myself, but he hasn't complied and is shutting down about the whole situation because he's embarrassed about missing payments.
Any MeFite advice on how to get something like this off my report before my credit is ruined? Thanks.