Category Archives: Authorized User
- How do I remove myself as an authorized user? – Vanessa
My husband and I have been married for 14 years. In March 2010, he suffered at traumatic brain injury and is now severely disabled living in a nursing home. I serve as his guardian. I am an authorized user on his credit cards. To date, I have been paying them down, but I am concerned [...]
- I’m an Authorized User on a Credit Card. Do I Have a Responsibility to Repay? – Florence
“Dear Steve, I lived with a person for 5 years and he stopped paying his bills – including mortgages, credit cards etc – probably filing for bankrupcy. The collectors are after him to the tune of $300,000. I had all my own bills and have stayed good with them. I have since moved out. There [...]
- My Father Passed Away. My Mother Was Only an Authorized User. – JB
“Dear Steve, Recent widow as authorized user and credit card debt. My father passed away a couple weeks ago and I have been trying to help my mom with her finances. As I’m sure you know, she lost a SS check so now she is trying to work through her budget. My father and she [...]
- Can’t Tell if the Credit Card Account is a Joint Account or Only Authorized User. – Rene
“Dear Steve, My F-I-L passed away recently and left my M-I-L with a huge credit card debt over $30,000.00 in three credit card companies. He was the sole owner on two accounts, but the credit card companies are hounding her to pay the debt. On the third credit card it had both their names but [...]
- What Requires an Authorized User Account to be Removed? – Brian
“Dear Steve, What laws allow an authorized user account to be removed? I know being that their not respondsible for the debts and haven’t signed a contract legally the account has to be removed. But what law(s) force them to remove it? Brian” The Answer: Dear Brian, I assume we are talking about a credit [...]
- I Think I Screwed Up My Husband’s Credit as an Authorized User. – Nancy
“Dear Steve, 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 [...]
- My Husband Does Not Want Me to Enter The Program With Fast Track Debt Relief. – April
“Dear Steve, I have 4 credit cards that I added my husband to as an authorized user. The debt has grown to over $34,000 in the last 8 years. Less than 3% of the charges were by me, but my husband is refusing to take responsibility. I am a stay at home mom with 3 [...]
- I Am Authorized User on a Credit Union Account and Don’t Want to Pay My Credit Card With Them. – Jonie
“Dear Steve, My wife and I shared a credit union checking account. she was the primary holder of the account and i signed up as an authorized signer. i applied for a credit card asking for a limit of $7,000.00, i signed an application and faxed it over, without my wifes signiture they approved the [...]
- Can I File Bankruptcy Without Hurting My Husbands Credit? – Theresa
“Hi Steve, Can I file bankruptcy without if effecting my husband’s credit standing? I’m in TX, by the way. We have one card that we share and it is at zero balance. I’m an authorized user on another that does have a balance. Everything else is in his name. My debt is about 10,000 and [...]
- Can I Be Removed as an Authorized User on My Wife’s Credit Cards? – Chris
“Dear Steve, I’m an authorized user on my wife’s cards and they have high balances. If I take myself off as an authorized user, which I have, will these accounts fall off my credit scores? I’m considering putting her accounts in a debt settlement and not mine. Therefore taking the hit on one credit score [...]
- My Mother-In-Law Has Alzheimer’s and a Lot of Debt. Are We Liable? – Cecily
“Dear Steve, Okay. My Mother In Law has severe Alzheimer’s. Her estate was swallowed up by the first institution she lived in, but when that ran out we had to get her on Medicaid and put her in a different institution. She is now technically destitute; her social security goes directly to the institution, her [...]