# Is a young person's credit related to their parent's credit? **URL:** \ **Category:** Factual Questions\ **Created:** [June 28, 2005, 3:04am UTC](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141 "2005-06-28T03:04:18Z")\ **Posts on this page:** 5\ **Page:** 2
**Author:** ![goBigRick](https://avatars.discourse-cdn.com/v4/letter/g/ce73a5/32.png) [@goBigRick](https://boards.straightdope.com/u/goBigRick)\ **Post date:** [June 29, 2005, 2:22am UTC](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141/21 "2005-06-29T02:22:17Z")
> [@](#): > > You should be able to persuade the collection agency to remove it. > If judicious sending of certified mail and phone calls to them fails to remove it, let me know on here. > [@goBigRick](#): > > Thanks for the help. I will let you know. It’s actually the collection agency which is giving me a hell of a time getting it off. Pardon me. After posting I realize you were talking about the collection agency. ---
**Author:** ![irishgirl](https://avatars.discourse-cdn.com/v4/letter/i/8edcca/32.png) [@irishgirl](https://boards.straightdope.com/u/irishgirl)\ **Post date:** [June 29, 2005, 7:55am UTC](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141/22 "2005-06-29T07:55:56Z")
All my credit is related to me alone. My credit card limit is based on the fact that I always pay back in full so they keep putting it up in the hope I’ll eventually have to start paying them some interest. My overdraft facility is based on being a medical student, and my bank has already made noises about 100% mortgages when I graduate. Again, that’s because they know that as a doctor you have a guaranteed income, and will pay them back. Your problem is more like an identity mix-up than anything else. The social security numbers should clinch it. ---
**Author:** ![Queen\_Bruin](https://avatars.discourse-cdn.com/v4/letter/q/e274bd/32.png) [@Queen\_Bruin](https://boards.straightdope.com/u/Queen_Bruin)\ **Post date:** [June 29, 2005, 8:13am UTC](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141/23 "2005-06-29T08:13:31Z")
> [@goBigRick](#): > > Okay, I was asking this because I don’t have any credit, but I keep getting turned down for even introductory cards such as Capital One. I got my credit report and there is only two things on there. I $2000 student loan of mine in good standing and something that was sent over to a collection agency. Long story short come to find out this is my fathers and it accidentally got put on my account. The problem is that we have the same name except I am a junior. At least that’s what I thought. I looked at my birth certificate today and there is no Jr. on there so I don’t know what my name actually is. 😉 > > Anyways, come to find out I believe his poor credit is affecting my credit because they are getting the two of us confused with us having the same exact name and address. Yeah, I have a mess to sort out now. Eeek, nearly the same exact prob. my husband has had (same address, and nearly same name - they aren’t Sr/Jr, but their names only differ by middle name). Right up all three credit reporting bureaus and the company that has the neg. ding on your report. It might take you a month or three but it should clear up. Good luck on your endeavor! ---
**Author:** ![Queen\_Bruin](https://avatars.discourse-cdn.com/v4/letter/q/e274bd/32.png) [@Queen\_Bruin](https://boards.straightdope.com/u/Queen_Bruin)\ **Post date:** [June 29, 2005, 8:15am UTC](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141/24 "2005-06-29T08:15:09Z")
Err, “write” them up. I blame the keyboard gnomes. They made me type a homophone. ---
**Author:** ![Philster](https://avatars.discourse-cdn.com/v4/letter/p/13edae/32.png) [@Philster](https://boards.straightdope.com/u/Philster)\ **Post date:** [June 29, 2005, 12:33pm UTC](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141/25 "2005-06-29T12:33:35Z")
Contact the CRAs and clearly indicate that you are mixed with your father, and of course indicate that the collection account is not yours… If they fail to receive the SSN back from the creditor, they will remove the tradeline. They key is to properly identify yourself, and make specific reference to being a **victim of a mixed/confused file.** [Previous page](https://boards.straightdope.com/t/is-a-young-persons-credit-related-to-their-parents-credit/310141.md?page=1)