Credit score down because of court judgment against family member

MishariA

I noticed my credit score went down today and on closer inspection and talking with my father it appears a court judgment against him has appeared on my credit report. Needless to say he wasn’t best pleased about it (especially as he is a private man) however how could this happen and how do I correct the problem. I assume it is a error due to my middle name being my fathers first name and the fact I lived at that address until late 2018

Willing2Learn

The problem will no doubt be caused by you having the same name.  Raise a dispute with both the creditor and the CRA.

Have you checked all three credit files?

Ignore your 'credit score' as it is irrelevant.

Thrugelmir

MishariA said:

 Needless to say he wasn’t best pleased about it (especially as he is a private man) 

Was happy enough for the CCJ to be registered against you though.  

MishariA

Willing2Learn said:

The problem will no doubt be caused by you having the same name.  Raise a dispute with both the creditor and the CRA.

Have you checked all three credit files?

Ignore your 'credit score' as it is irrelevant.

I have only checked Experian I will check the others later

ilikewatch2

Willing2Learn said:

Ignore your 'credit score' as it is irrelevant.

Hardly irrelevant in this case, when it was the drop in the credit score that alerted OP to the problem in the first place!

dr_adidas01

ilikewatch2 said:

Willing2Learn said:

Ignore your 'credit score' as it is irrelevant.

Hardly irrelevant in this case, when it was the drop in the credit score that alerted OP to the problem in the first place!

The number you are given by any credit reference agency is irrelevant as no lender uses it to score you for a product, lenders use there own scoring method to decide to accept or decline.

A drop in score can be for anything you may have used more credit one month hence a score will drop, or nothing changes and it still may drop.

Willing2Learn

A change to an Experian 'credit score' or 'rating' signifies a change to the data recorded on your credit file.  It does not necessarily indicate anything negative.  A lender does not use these scores or ratings.

D3xt3r5L4b

ilikewatch2 said:

Willing2Learn said:

Ignore your 'credit score' as it is irrelevant.

Hardly irrelevant in this case, when it was the drop in the credit score that alerted OP to the problem in the first place!

Mine dropped this month. No changes. No new accounts etc.

Maybe the temperature made it fall?

dr_adidas01

D3xt3r5L4b said:

ilikewatch2 said:

Willing2Learn said:

Ignore your 'credit score' as it is irrelevant.

Hardly irrelevant in this case, when it was the drop in the credit score that alerted OP to the problem in the first place!

Mine dropped this month. No changes. No new accounts etc.

Maybe the temperature made it fall?

Sorry it was my fault i thought you deserved a drop in score......... LOL

ilikewatch2

dr_adidas01 said:

ilikewatch2 said:

Willing2Learn said:

Ignore your 'credit score' as it is irrelevant.

Hardly irrelevant in this case, when it was the drop in the credit score that alerted OP to the problem in the first place!

The number you are given by any credit reference agency is irrelevant as no lender uses it to score you for a product, lenders use there own scoring method to decide to accept or decline.

I fully understand that a credit score from a CRA is irrelevant as to whether a lender will offer you a product. However in this case it was relevant as seeing a drop in credit score prompted OP to closely inspect their report and discover a problem.
My own experience suggests that a significant change in credit score is usually due to a change in one of the circumstances or accounts being reported, and so is a good reason to take a closer look to see if it is something which could indicate a problem.