My husband and son have the same name except for Jr. At the end. My son decided to buy a house, he was told that he had credit score of 0. The mortgage company wanted him to establish some credit before processing the mortgage. He applied for 3 major credit cards and 1 store card. He was approved for all 4. The mortgage company complied and he got his house. All of this took place within 3-4 months.
My husband and I tried to get a loan on something and was turned down because of too much outstanding debt. We obtained a copy of my husband's credit report from all 3 bureaus and they had all of my son's stuff on my husband's, house and all.
So that has started the almost 4 years of fighting with the bureaus and creditors. The creditors do not keep copies of the original application with signature. The bureaus say they only report what the creditors tell them and when they investigate it is my husband's.
Since this whole thing started my son's wife did not pay the bills and left him. He knew nothing until she was gone. All of the debt has gone to collections and the creditors are hounding us for the money, because they all think it is my husband and our credit is trashed.
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