Well my roommate, Billy has a problem. About a year ago he went to get a loan to buy a condo, and the loan guy laughed at him. Apparently his credit was in the 300's, he was filing for bankruptcy and was getting sued. Turns out him and his dad have the same name, only he is the 2nd, share the same mailing address, and bank. so all of his parents shit ended up on his credit. He tried writing credit companies, with no luck. what can he do. hes getting gouged on his truck loan, 18% interest. any ideas where to start. i know a few of you have had credit problems. I told him to start off changing his address and getting a new bank.