Credit Report Question

iVillage Member
Registered: 07-05-2006
Credit Report Question
Mon, 08-17-2009 - 1:30pm

In preparation for possibly needing a car loan, I started getting our credit reports today. I started with DH's credit score because I figured it was better than mine since most of the credit cards we had in debt settlement were in my name. I got his report off of Equifax and everything on there seemed correct at a first glance. I got his credit score off of Experian and it is 674 which is fair, but there were 2 HUGE mistakes on that report. Only problem is...the mistakes were actually in our favor!

Here's how it happened. My husband's name is the exact same name as his dads. There's no Jr or anything. We have also lived with his parents a couple times so not only do they have the same name, but they have also had the same address. I don't know this for sure, but 2 of his dad's credit cards are listed on DH's credit report. They both have balances of between 1300-3300 and the credit limit on one of them is at 18K. So this is showing favorably towards DH saying that we actually have some credit cards in good standing when we do not! What should I do? Should I take these off and potentially hurt his credit score or should I leave them there until we decide what to do about the car loan?????