How can you dispute an incorrect mortgage on their credit report?

My boyfriend and I are planning on purchasing a home using a first-time buyer assistance program, but somehow his childhood home is showing on his credit report, which would mean he bought the house when he was 3! He and his dad have the same name, so I'm guessing that his parents used his social to qualify for the loan. Is there a way to have this removed, or is he stuck with it?

How can you dispute an incorrect mortgage on their credit report?
This stuff isn't as uncommon as you think.





Same name disputes happen all the time. I had read something before that says that its close to 25% of people have something incorrect in their credit history. From mess ups on their end... scary.
Reply:Don’t assume the worst; it’s not uncommon for people with the same names to have their data confused. You should contact the lender on the childhood home and get confirmation of who actually bought the home.





If you find out it’s a case of mistaken identity, you can write the credit bureau(s) with the wrong data, providing copies of the documentation you have, and ask that this be removed. If you do find out his parents used his data, the credit bureau(s) can give you information on filing a fraud report.
Reply:Pull your or rather his credit at annualcreditreport.com for each of the three bureaus. Then go to each bureaus website to get their address for disputes. Write a letter to each bureau providing a copy of where the item shows up and ask them to Remove the item (Not fix or correct). Be sure and explain why and include a reference to their credit report number. The mortgage co, has to respond within 30 days or they have to (by law) remove the item. Don't wait till you apply for a mortgage. It could really slow the process. Be sure and send each correspondence via Certified Mail to show them you are serious. Good luck.


http://www.alabama-mortgage-specialists....
Reply:No he just needs to sign a 1 in the same name affidavit and have it signed by a notary and have it placed in his file along with his birth certificate and a letter stating it is impossible to have a mortgage at age 3. I see this when you have a SR. and a JR. quite frequently


I am a mortgage banker in TN %26amp; KY
Reply:Your husband can file a formal complaint with the consumer fraud department against his parents. His father could go to jail. Have the father switch the ss# on his loan to his real one.