Tag Archives: authorized user

The Primary Card Holder Died and We Kept Using the Card as Authorized Users. – Craig

“Dear Steve, My wife’s mother died in 2006. My wife is an authorized user on one of her mother’s credit cards. We did not notify the credit card company of my wife’s mother’s death in 2006. We simply assumed the debt on the card, took over making payments on the card as agreed, and have [...]

My Son Was an Authorized User on My Credit Cards and I Filed Bankruptcy. – Betty

“Dear Steve, I am a Mother with a recent Chapter 7 Bankruptcy. I put my sons name on 2 of my credit cards as an authorized user in case of an emergency and actually forgot about it …. he never used either card. Now he has those 2 cards listed as Bankruptcy on his “very [...]

Credit Report Shows Me as an Authorized User on a Credit Card. – Kelly

“Dear Steve, I have a relative that added my name to their credit card as an authorized person who can sign. The card is not in my name, no credit check was run, I am only listed as an authorized person who can sign if need be. However, I have now noticed that the credit [...]

I Was an Authorized Credit Card User and Used It After the Cardholder Died. – Beverley

“Dear Steve, About thirteen years ago, my Dad was living with us after my Mom passed away. He added me to his Citicard as an authorized user. I have used this card ever since and owe over $30K due to medical issues and too many other unfortunate issues down through the years. I have never [...]

My Husband Added Me as an Authorized User But I Want Off the Credit Cards. – Sandy

“Dear Steve, I have paid off $10,000 worth of credit cards for my husband in 2010 and then he has decided he wanted different credit cards and has added me as authorized user. I want to take my name off of these credit cards (received within the last year). He has a credit score of [...]

I’m Paying Off My Ex-Husbands Credit Card But Only an Authorized User. – Clarissa

“Dear Steve, Credit card in husband name only, but I was a authorized user. On my divorce decree I am responsible for my ex-husbands credit card(that is in his name only,but I was an authorize user) I recently found out that the credit card number in the divorce decree that he gave was closed. What [...]

If I Take My Wife Off as an Authorized User Will My Bad Credit Stop Showing on Her Credit Report? – Wade

“Dear Steve, To much unsecured debt and have never had a ding until this year.. i am 51.. along with a first and second mortgage i would like to know if I go into a charge off state with a few of the unsecured creditors will this effect my Wife’s credit if she’s an authorized [...]

Is An Authorized User Responsible for Charges on My Credit Card if I File Chapter 7 Bankruptcy? – Terri

is an authorized user responsible for charges on my credit card? I am filing for chapter 7 bankruptcy I have 2 credit cards with my daughters charges I want to include them everywhere I have checked says I am responsible but my lawyer said he’s not sure. Terri This is your chance to be a [...]

My Daughter Was an Authorized User and Ran Up My Debt. I Have Cash to Settle. – Sharon

“Dear Steve, 23K on credit card debt. I am retired and do not make enough to pay these credit card bills any longer. I let my daughter be an authorized user on 2 credit cards. She and her husband both lost their jobs and just recently broke up. I have been able to make the [...]

I’m Not Sure if My Son is An Authorized User or Joint Account Holder. – Shawn

“Dear Steve, When my son was in school I added him as an authorized user on my Chase Credit card he is now 32 he bought a home and the credit report said he was a cosigner on my Credit card. I have tried to have this corrected for the last two years. Chase rep [...]

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 [...]

Quick Credit Tip: Become an Authorized User

Learning how to become an authorized user on a credit card is a strong and quick strategy for building your credit, and building it fast. In fact, I have seen people’s scores jump as much as sixty points just by becoming authorized users. Before discussing the mechanism for becoming a an authorized user on a [...]

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 [...]