Legal Question in Credit and Debt Law in Indiana

My Credit Report

I am a 19 year old college student that has repeatedly applied for credit cards, and repeatedly been turned down. I have no previous credit card or anything that would involve credit at all; however, the last credit refusal stated that I have a ''delinquent credit obligation.'' I do not know how because, like I said, I own no credit cards, or have any payments of any kind. I believe my parents may have a credit card in my name, that they were trying to build up my credit, but instead ruined it. What can I do to find out what is weighing against me, and what do I do if it is my parents that have given me a bad name, and not me at all?


Asked on 10/12/04, 1:48 am

1 Answer from Attorneys
E. Brian Davis Davis Law Office

Re: My Credit Report

When you have been denied credit, you normally are given the identity of the credit bureau that supplied the information that lead to the denial. Get a copy of the report from that credit bureau; in fact, get a copy of your credit reports from all three national credit bureaus and review the reports carefully. If there are errors, you can require the credit bureau which is reporting false information to verify the information. If that fails to fix the problem, you can add an explanation of why the credit entry does not apply to you and can seek redress against the company which is reporting negative information to the credit bureau. You do have rights under the federal Fair Credit Reporting Act. Good Luck.

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Answered on 10/12/04, 9:37 am


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