It should be a LOT harder.... I've had my identity stolen and multiple bills show up on my credit rating (which I monitor EVERY month). These corporations flippantly send these sorts of things to collection agencies and NO ONE bothers to even look into the situation. To be billed for TV service on the EAST coast when your address is on the West Coast should have BEEN A CLUE BUT NO THE EASE OF SENDING IT OFF TO COLLECTIONS AND TO CREDIT BUREAUS IS MUCH EASIER AND LESS EXPENSIVE FOR THE LIKES OF COMCAST. To try and resolve your credit ratings BEFORE a loan in this case would probably mean he'd still be waiting to apply for a loan. Comcast should lose on this one. If they had made an effort to reverse all the crap they laid on this guy it wouldn't have to end up like this.