Can I remove an account from my credit report if the account never belong to me if I opened it for another person?
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Can I remove an account from my credit report if the account never belong to me if I opened it for another person?
I opened an account for a friend and it was supposed to be transferred to him. The account is closed but it still shows on my credit report as an unpaid collection and I’m getting letters for it.
Asked on October 19, 2011 under Bankruptcy Law, Maryland
Answers:
FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney
Answered 12 years ago | Contributor
You can contact the credit reporting agency regarding the account that you had opened for a friend which was to be transferred to him or her but apparently was not. Most likely the credit reporting agency will not remove it from your report.
The best way to try and get this reference in your credit report is to contact a company that clears up one's credit reports. There are many of these such companies and you can do an online search to see whaich company may best suited to assisted you in your endeavor.
In the future you should never open up a credit account in your name on behalf of someone else. Many times the person for whom the account was opened for does not live up to his or her obligations and the person the credit account is in gets a bad credit rating.
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