All About Credit Reports

6 Responses to “How Can I Get My Name Dropped Off A Credit Card So It Falls Off My Credit Report Quickly?”

1. Dr. Geeta on February 3rd, 2010 at 3:39 am

   There are various ways on how to get free credit report online; but there is only one official website that is mandated by the government as your certified source for your annual credit report for free. This is in line with the government’s ruling that every American is entitled to one free annual credit report from each individual main credit bureau, namely: Equifax, Experian and TransUnion.
   In order to get your annual free report, you have to make a request for your copy because this is not something that is automatically sent to your mailbox. One way to do this is to go to each individual site of the three main credit reporting companies. However, this is not highly advisable because this would be very inconvenient on your part as you will need to make three separate requests for each of these agencies.
   Moreover, in some instances you will be charged for your copy of the annual report unless you meet the qualifications for the free copy, depending on the company’s standards and policies. In order to avoid such incident, it is best to go directly to the official website of the three companies who merged on this site in order to give their common service; which is to send you your free copy of the credit report.
   Therefore, the best way for you on how to get free credit report online is to go to the AnnualCreditReport.com; this is the official web site mandated by the federal government for this purpose. The three major credit reporting bureaus will supply you with an annual copy of your credit report upon your request. You will receive one report from each of these companies under only one request.
   When you finally receive your free copy, it is best to check the authenticity of the entries contained in your report because sometimes errors may occur that results to lower your score. You will further notice that your score may sometimes be different from each of the credit-reporting agency.
   This usually happened when creditors will report your credit history to only one agency instead of the three of them; thus, creating the variance of your score. In any case, you will have an idea of what your real score based on the ratings of these major companies and you will be able to make necessary changes if need in order to improve your score. This method offers the best solution to your problem on how to get free credit report online.
   Take care….

2. P M on February 3rd, 2010 at 4:59 am

   Is the card paid off now? If so, close the card. The payment history for a joint card can legitimately stay on your credit report for 7 years. However, if the card has a zero balance and is closed, I suggest you write to the three major credit bureaus (Experian, TU and Equifax) and dispute the credit line. Simply state, “This credit belongs to my dad–not me.” Don’t go into too much detail. Although it is possible that Home Depot will verify the debt, it is likely that they will not bother on a closed zero balance account, and the account will be removed if Home Depot doesn’t verify it after you dispute with the bureaus.

3. stan c on February 3rd, 2010 at 11:40 am

   The only way to improve your credit score is have your father open up a new account under his name only. As you found out, cosigning for a relative or friends is a bad idea. If that happens and you’re employed 18 to 24 months and have $500 in a savings account, you might be able to get a secured credit card. Most banks should be able to set it up for you. Make sure they belong to the credit bureau. Your score should go up again after 12 months of activity.

4. Life_on_ on February 3rd, 2010 at 5:14 pm

   Might want to check with Home Depot about how the card was processed. If only your dads credit was used to obtain the card and you were only given a spending card, you may not be as it seems. responsibily. Aks terms of the contract and who are the responsible partes for paymnet,

5. sc2m on February 3rd, 2010 at 8:48 pm

   Unfortunately, you can’t get it out of your name. You applied for credit with your dad. Even if you close account, it will still be on your credit.

6. Le Bouchon on February 4th, 2010 at 12:08 am

   if you owe someone money, they TELL EVERYBODY. it does not go away.
   pay your debts.

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