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?
Since he has no financial liability as an authorized user they will remove him. You can call them and ask them by phone until they do. Just call once a day and politely nag them.
Once he is removed as an authorized user it should be removed from his credit report. It will just take a bit of time for it to all filter through the system. No worries, this will get resolved.
Please post your responses and follow-up messages to me on this in the comments section below.