Common French Surnames Can Cause Credit History Problems

The nation of France is known for its contributions to art and culture, from the architectural marvels of the Eiffel Tower and the Palace of Versailles to the fashion runways of Paris to the masterpieces in the Louvre Museum. And don’t forget the food and wine! The people of France have a lot to be proud of, and rightly so.

Those of French descent in the United States are also proud of their heritage, which is reflected in their surnames. There are over one million unique French surnames. The ten most common last names are Martin, Bernard, Robert, Richard, Durand, Dubois, Moreau, Simon, Laurent, and Michel. There are hundreds of thousands of people who share these names.

Given the number of people with these common last names, there are bound to be situations where one person is mistaken for another. One of these situations involves a mixed credit file, which can have drastic financial implications.

Mixed Credit Files and Common Financial Problems

When a credit reporting agency combines someone else’s financial data with your credit history, the result is a mixed credit file. These mix-ups can occur when two people have the same or similar names. Typos can also lead to mixed credit files. If a Social Security number has one wrong digit, or a name is misspelled, incorrect financial information may end up in your file.

People with mixed credit files can have serious financial problems. You may be ineligible for credit or be given a low credit score if someone else’s data makes its way into your file. You should review your credit file to see if it contains any information that does not apply to you.

An Experienced Attorney Can Pursue Relief for You

You must act if you are concerned that someone else’s financial details are included in your credit file. Although you can contact the credit reporting agencies about a mixed credit file, don’t expect immediate results. These companies do not act fast when it comes to repairing credit files. That is why you need an experienced advocate in your corner. Attorney Adam Singer at the Credit Report Law Group is that advocate. He and his team are well-versed in how credit reporting agencies operate, and they are willing to stand up for you and your rights. Contact the Credit Report Law Group at 212-842-2428 or fill out this form.