The relationship between a father and a son and the sharing if the same names is the commonest source of confusion between the 2 credit reports. It is possible that the information from the father’s credit report may be reported on the son’s credit report and otherwise. When the father and the son share the same address, the matter gets further confusing.
A credit bureau does not use just one identification information to identify a person and his accounts. Several identification information such as the address, social security number etc. are considered.
For starters, the father and son should both get a copy of their credit report from the credit bureau and dispute e the inaccurate information present thereof.
The next step should be to be careful when applying for credit in the future. all possible identification information should be provided that will enable to differentiate the identity of the father and son including social security number etc.. both the father and the son should make it a point to add generation suffixes to their name such as senior and junior.
If there is any nickname in use, then that can also be used when applying for credit. the important thing is to decide under what name you are going to apply for credit and stick by it. different applications should not be made under different name variations. This could create further confusion in the credit report.
Decide upon whether you are going to use generation suffixes or nicknames or both in order to differentiate between the 2 individuals and stick by it.