Would removing father's mortgage refinance from credit report develop my mark? My father refinanced mortgage to do some improvements and it has appeared

My father refinanced mortgage to do some improvements and it has appeared on mine and his credit report (We share the same describe except I am a Jr.) How do I remove this from my credit report and would it improve my score?

if your surrounded by the UK when you get a credit report from experian or other credit agency's after you have received it if near is anything that should not be on there or you have any quires after you can contact the agency that you got the report from send surrounded by the forms that state/prove it is your fathers mortgage refinance an not your and they will up date your credit report

You MUST write a letter to the credit bureaus! You do not want this on your credit! Write a dispatch and explain your case, and they have 30-60 days to resolve the issue. You can find their info slickly through a quick yahoo search.

Answers:
Ok this is going to be a long explanation of how you carry this done. Father and Sons that are Jr and Sr run into this problem ALOT. So youre not alone.

First of all contacting the credit bureaus wont do much good because his mortgage is not really on YOUR report. in poor health explain... When companies request for your report from either of the 3 bureaus, they would have to enter your identify, address, and SS# and then send the request for your folder to be returned. I can almost guarantee that when you apply for credit you dont necessarily use the Jr part all the time ( or the creature typing in your info forgets to add it ). So on report at the bureaus youre known as John Smith Jr. with a schedule of AKAs i.e. John Smith, John L. Smith, John L. Smith Jr.

Somewhere down the line you could also have a shared address near your dad. So when the system gathers information for John L. Smith Jr. at a particular address it could return some of your dads information along beside yours.

Yes you two would have a unique SS# but thats not the with the sole purpose thing used to collect information.

So heres what you have to do to fix it.

Contact the credit bureaus. Notify them that you own a mixed file with your dad due to the certainty that you are Jr and Sr. Ask them ( and this is very important ) to standardize your christen to only reflect as Jr. ( contained by the process contact all the companies that report your info to the bureaus to do the same ) And also try to find your addresses standardized as well. So that the subsequent time your information gets pulled it would only be yours not your dads.

And as for it on the increase your score...well possibly...if its a really new account later it could, but if its a refi done several years ago it might hurt your credit to remove history... ( if its good )

yes , removing would help as refinancing go against your score