<prompt> Human: It appears that they have made all payments on time 100 and have paid off all the debt. The last payment was in 2005. It only lasted 6 months and all payments were made in good standing. Status: opennever lateOpened: July 2005Last reported: December 2005Recent balance: 0 as of 2005Is there a point in disputing this? This was over 10 years ago! If I dispute it and get it off my record, will it lower my credit score by a lot? Edit: a lot of people keep saying I might own a house. The security questions said it was a mortgage loan but when I look at the report, it was a loan for like 3500 paid off in like 6 months so I doubt its a housemortgage.  <response>: I had something similar happen to me when I was 18. I went to buy a car and found that my fathers negative credit he has the same name as me was on my credit for 4-5 years prior when I was clearly under the age of majority. I called the collections agency that filed the report and advised them of the error and they just shrugged it off and wished me luck. I then searched for the contact numbers for the three credit bureaus and proceeded to contact them. When I contacted them I pretty much informed them that in was under 18 when the items were noted on my credit. All three of them opened an investigation to determine the accuracy of the claim. A couple months later I got a letter in the mail from one of the agencys acknowledging their error and that it was corrected. If you contact them directly they should be able to advise you. Its most likely that only one of the three bureaus made the error. Just have to find which one and ask they investigate. Hope this helps. 