Twin's Info on My Credit Report

#1 Worst Mistake to Have on Your Credit

There are many things one would consider to be great about having a twin. However, one bad thing you can arrive from having a twin relates to your credit report and credit score.

Twins have an ongoing issue of combining or mixing the credit reports of individuals that have similar Social Security numbers, same date of birth, similar names, and addresses. This means that your accounts may appear on each other's reports. So, for example, the other person's credit card account, home mortgage, banking info, business loans are on your credit file where it should not be. Having your twin brother's or twin sister's account information or your dad's information or someone else's information on your credit report violates the law (discussed below).

Why Is My Twin Brother or Twin Sister's Accounts On My Credit Reports

Because of how the credit bureaus such as Equifax, Experian, and Trans Union, match information that goes in everyone's credit reports, twins have a unique problem that most people don't have (with the exception of a Sr. and Jr. that share the same name).

Because twin brothers and twin sisters will often have very similar Social Security numbers, have lived at the same address, and will usually share the same last name, twins are ripe for being confused with the other one on credit reports.

How can you remove your twin's account information from your credit report?

I wish I could tell you that it is as simple as sending in a detailed dispute letter pointing out each account that is not yours, but it is not that easy. These types of cases are extremely frustrating to solve. Many times the only way to resolve this type of problem is in litigation against them.

Fortunately, the Fair Credit Reporting Act gives consumers a weapon they can use against Equifax, Experian, and Trans Union for putting your twin's information on your report. Under this law, you have a right to get damages punitive damages, attorneys fees, and the ability to make them correct their errors.

Our office represents consumer and twins that are going through this exact issue. If you would like to have a brief conversation about how we can help you, please reach out today. We do not charge consumers directly for our services because our fees are paid out of the settlement from the credit bureaus. Therefore, we are basically free to you.

Having a mixed file like this will lower your credit scores, cause denials of a home mortgage, apartment, insurance, employment, credit cards, and other problems.

Many times you may even see a second social security number on your credit report.

Can you still get a mortgage with wrong info reporting?

It depends on the lender or mortgage company and it depends on how bad your credit file is after the confusion. If you have a lot of debt or show you owe more money than you actually do, you may have a problem.

Each credit bureau or credit reporting agency and data furnishers must report correct information and accurate credit information about your personal finance and payment history. The major credit bureaus Experian, TransUnion, and Equifax knows a credit report error will impact credit and that incorrect information or negative information hurts a consumer's credit to an extent they have bad credit history and a low fico score.

Disputing credit errors on your Experian credit or Equifax credit report requires you to check your credit to see if there is information on your credit not correct. Credit repair companies and disputing to the federal trade commission are not your best option.


Most consumers get a credit check when they apply for credit for a personal loan for an auto, real estate, or other type of loan. This is when the wrong personal information gets included in your report by the reporting agencies. Disputing bad debt or a wrong public record can aid in improving credit and building credit. Because twins have the same date of birth, same address, and same last name, they are ripe for credit errors.