Over the last couple of years I have infrequently had a false credit judgement held against me.
Over a year ago I attempted to get a Car loan through a bank and they wouldn not give me the loan due to a $2600 outstanding judgement against me. I went to another bank and applied for a loan and it did not show up and I was able to get the loan.
I have since ran my annual credit report twice and the judgment did not show up. I also have a friend who is a loan officer at a bank recently do a soft pull on my credit and it also did not show up.
The next week I went in to apply for a home loan, from the same bank that my friend works at, and the $2600 judgement showed back up, and due to my small credit history they would not approve me for a loan.
After speaking with my family it turned out that my grandpa also received the exact same info on his credit report recently. Me, my father, and grandpa all have the same name. The credit judgement that was showing up was for another person with our name in another county.
What can I do to get this cleared up and not show up for me anymore.