Expert Opinion

Dear Evan,

This is common also with fathers and sons who are a “senior” or “junior.” The credit bureau receives information and they need to put it somewhere.

The good news is that you can dispute this. Take a photocopy of the front and back of you driver’s license and mail to the credit bureaus with a copy of the credit report. In a typed letter, explain the situation and what needs to be done to have it rectified. The credit bureau must respond to your dispute within ten days with either a resolution or statement that additional time is needed for an investigation.

This situation may seem desperate, but it is easily correctible.

Do YOU have a question for Melissa Douros? Email at melissa@dovcocs.com.

As the owner of Dovco Collection Solutions, Inc., Melissa Douros uses her eight years of being a collections specialist to offer advice and answer questions pertaining to debt collection. With running her own successful collection agency, she seeks to keep debt collectors accountable for their actions and in line with the law.

Do you have a question for Melissa? Email melissa@dovcocs.com.

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