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Old 02-21-2001, 04:19 PM
HOWELL56
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Question

I live in California, I am in the military and here is my problem:
Over 2 1/2 years ago I applied for a mastercard at a ball game, because i was in process of changing duty stations i put my parents home address on the application. after sending off the application i forgot about it. a year and a half later i got my credit report and it showed that i have filed bankruptcy on this card that i did not know that I even had.
It seems that the bank sent the card to my parents home, and my father having the same first and last name and same middle initial thought the card was his. he ended up using it, making a couple payments on it and eventually filing bankruptcy on all his credit cards including this one. the bank's didn't catch the error, nor did the courts. the bank has taken it from bankruptcy to charged off, telling me that the only thing i can do to get it off my report is to file a fruad report against my own father, who really did not know that the card was mine or he would not have filed bankruptcy on it. and i'm sure that he wouldn't have paid the $250 savings account deposit to open the card with. I would just like to know if there is a way to get this off my reports without charging my father with credit card fraud?
  #2  
Old 02-22-2001, 08:18 PM
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No, the only way remove a black mark on a credit report is to repay the creditor or file fraud charges against your father. This may not be a bad thing, he admits he thought the card was his not yours, the credit card company makes the account your fathers then writes it off as part of the bankruptcy. Or you could have your father reassume the debt and pay it off.
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