I have the same name as my dad and his info shows on my credit report...

bobbyohh

Hi everyone, i'm a new member and have learned a lot from the site the past couple of days. anyway....

I'm 22 and have the same name as my 60 y/o dad and when I started to get into debt to seperate the bills my dad and I decided to put JNR on my accounts to stop confusion.

After a couple of years of stupidity I went bankrupt and am now discharged. I have just checked my report on my 30-day free trial with experian and our details have been mixed. I signed up as myname JNR and it show some of my dads debts are on mine like the mortgage and loans. We are yet to sign my dad up to check his. What do I do, just write to them with all the details? Will they change it?

Also we had to remind the bankrupt office of my JNR status after bankruptcy and now under public record information it shows 1-bankruptcy 2-discharge 3- bankruptcy with JNR --- Should there only be 1 bankruptcy?? Do i request for this to be removed?
Also - I have some items still as DEFAULT and in the red as unsettled. now i'm a bankrupt should this not be now settled?

Thanks for your help guys, this place is great!! - I dont see why there aren't goverment funded places such as this - its almost like a charity

standupguy

I am wondering if at some stage you had a joint loan of some kind with your dad andif so, then that would create a joint financial connection and that may be the reason why your dad's information comes up as well?

Anyone should be able to tell between the two on the date of births on each profile?

GeorgeUK

I have the same name as my father but only had this problem with the bank when they removed my middle initials from the system. Do you or your father have middle names?

I agree with standupguy about the date of birth status. Unless they really believe you got a mortgage about 20 years ago?

I would phone up the credit reference agencies (you may need to check all 3) and talk through the problem. They should be able to advise what to do next