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i am a college student and i wanted to start building my credit, i applied to discover card and received a letter notifying me they denied my student credit card application it also that directed me to the Experian website, from there i saw two negative medical bills i have never seen they were both in the year 2006, i contacted experian and they contacted The collection agency. Supposedly the information was correct, but what i do not understand is why is it under my name if i have had insurance under my mothers name for many years, also my mother states all my medical bills are paid and because at the time i was under 18 they should not be in my credit report anyways. I really do not know what i can do.
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