Just had a sears card charged off this week. I had gotten a call from sears they said i had till Jan 13 to make a payment. I called yesterday, but it had already been charged off since two days ago. I take full responsiblity for the debt and plan to pay it in 4 $250 installments, but the problem is that my husband was an authorized user. I added him through the online payment center, but he has never used this account. Only two of the three credit agencies report this on his credit report. I’m so depressed thinking of what I’ve done to the credit he worked so hard to maintain. He had excellent credit before this happened.
Can I still remove him as an authorized user? I already faxed a letter to sear’s CBR disputes department and am waiting for a response. They said I had to wait 30-45 days for a response. What is your professional opinion on my chances in succeding?
If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.I Think I Screwed Up My Husband's Credit as an Authorized User. - Nancy by Steve Rhode