DEAR HARRY: About five months ago, a close friend asked me to co-sign on a $3,000 loan.

I agreed. I went to his bank to fill out the form to see if the bank would accept my guarantee. I discovered that the loan was actually a refinancing of a previous loan for $13,000.

The bank would not accept a partial guarantee, so I refused to sign any forms. I check my credit report several times a year, and I discovered that I was listed as a guarantor on this note, which was finally approved without my signature. My credit score is 777, and I don't want it damaged by this error.

I protested with the reporting agency, and they said they would look into it.

Is there something else I should do?

WHAT HARRY SAYS: I urge you to contact the loan officer at the bank and find out why you are listed. I hope no forgery was involved, but it is possible because you signed nothing.

If the bank made an error, they must straighten it out with the reporting agency. I hope you don't have trouble with that solid credit score before this is squared away.

Everyone is entitled to a free report annually from each of the big three reporting agencies, Equifax, Experian and Trans Union.

You can reach them at This is not or a similar name.

Email Harry Gross at, or write to him at Daily News, 801 Market St., Philadelphia 19107. Harry urges all his readers to give blood. Contact the American Red Cross at 800-Red-Cross.