How to change wrong information on credit report?

After applying for a for a morgage we got a copy of our credit reports. My mother and I had almost the same name before I got married. The only difference was middle name her's was Kay and mine is Fay. Well my credit report is 19 pages long full of stuff that doesn't belong to me. It has my mother's employer on there, her bank ruptcy, her house loan, car loans, medical bills. How do I go about fixing this problem?

How to change wrong information on credit report?
It's not as bad as Pepsi claims....





Fraud or not, the info does not belong on your report. Your problem is you have an awful lot if items to fix.





To fix it, you will need to send out a lot of letters, keep very accurate records, and in some cases be prepared to file a few lawsuits. Many times these creditors don't give a hoot about your credit...but when the threat of a $1000 lawsuit is flashed at them you will be amazed how quickly they cooperate.





I've supplied a link below to a site with some awesome info on the entire dispute process. Also a good sample debt validation letter.





BE SURE to send all letters by certified mail, return receipt. Yes it can get expensive, but without proof you notified these companies you will not get anywhere in the event you have to sue them.





And don't be nervous about filing a lawsuit. It's a simple small claims suit. You don't need a lawyer, and if you have followed all of the procedures you will easily win. Don't forget that damages that resulted from their inaccurate reporting (higher interest rates, loss of credit) can be recovered as damages.
Reply:If you can you and your mother need to contact the CREDITORS, they should be listed on the end of your report. Also note which agencies are reporting each debt. (re: Equifax, TransUnion, or Experian.Unfortunately it takes alot of time to straighten these things out. You usually have to contact these places directly.


You also have the right to submit a letter to the creditor requesting the info on the bill. They must send all related doucments and then you must supply copies to the reporting agencies to get them taken off your record, within 30-45 days. IF they do not respond then you can also have it taken off.
Reply:u have to dispute it with all three credit beaurs
Reply:This happened to my daughter also, hers was so tangled it was next to impossible to figure out. She found help at this site


http://www.1-800badcredit.com/bad-credit... The people here got it straightened up quickly. Contact them. Good Luck.
Reply:You have to call the Credit Report companies and they will explain you how to fix this. Prepare for big headaches.
Reply:http://creditcard.creditinspector.info has excellent info related to dealing with credit cards. Check it out!
Reply:Hate to say it but you might have to talk to your mom. She may have unfortunately used your social security number as hers, and committed fraud and identity theft against you. You may find you're in a long long battle to straighten out your credit. The first thing you need to do though is dispute the incorrect info with the credit bureau's. That's the easy part though.

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