<prompt> Human: My parents were evicted in December, and throughout the court case, the county continually called my brother and I to court as owners of the house, even though our names were never on the mortgage. Now I see that my score is almost 200 points lower than it was before. Im freaking out. What should I do? Do I need a lawyer?  <response>: Get a copy of your credit report from all three bureaus. Then dispute it explaining that you were never on the mortgage to the house. Get a copy of the mortgage your parents should have one or you can get one from your clerk of the circuit court just in case they want proof that you were not an owner. Suggest the same to your brother. On a side note, many times a bank when suingforeclosing will name all occupants on the court papers. This would include you and your brother, but as non mortgage holders it should not be on your credit. 