Authorized user

Posted by Jacob on October 17, 2000 at 05:22:28:

I recently got divorced after about 2 years being separated.
I tried to get a cell phone a few months back and was
turned down due to bad credit. I obtained reports from
all agencies and discovered several delinquencies and
charge-offs on my reports. On all I was listed as
Authorized User. It seems the wife forgot to remove my
name from her cards, and has stopped paying her debts.

I have contacted the creditors and told them the situation
but they tell me I cannot remove myself from the account
and she certainly wont or cant. When she left me
I took her off all my accounts and discovered that
she had ran them all up to the max. I have struggled
to pay them all and have been successful so far.
I did not expect to have her default on her accounts
or to neglect to remove me from them. She is a
financial consultant, which is the reason she was
in charge of the money. I know, bad mistake,
but I learned it too late.

All my accounts are paid as agreed with no late payments
ever. These two accounts although, I am not legaly liable
are still on my report, and creditors still pay attention
to them.

How do I remove these detrimental entries in my
reports. How legal is it to have these accounts on my
record when I never signed anything nor used any of
them at all. I've researched the topic as much as I
could but it seems the law is deliberately vague,
giving creditors the ability to persecute others
beside the account holder in the hopes that one of
them might pay to clean the reports.

Is there a solution to this?
Thanks

Read more about Authorized Users On Credit Card Accounts

Follow Ups:

Post a Followup