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 orignially told me they could not find his name on the account so he was not co-signer. But a year later it was still that way. This time they told me they needed his SS # to check and make sure it wasn’t on the paper work and if I didn’t hear back it was taken care of. The next time he checked same thing. I went through this several more times. Now they have sent me a form that they say he and I have to fill out. It is a Request to accept sole responsibility for the account and account application. It looks like an application. If I am approved they said they will take his name off the account. I know I won’t be approved I have no income and the account is past due. The part they want him to fill out says Joint Cardmember Signature.
Why won’t Chase take him off? He never signed as cosigner he was only an authorized user. If we fill out the paper will this make him liable for the account?
It sounds as if he was simply an authorized user and not a co-applicant.
Is your goal just to have his name removed from the account as an authorized user?
One easy way to see how Chase is actually reporting this account would be for your son to get a consolidated copy of his credit report and see if Chase is reporting it as an A for authorized user or J for joint account holder.
Please post your responses and follow-up messages to me on this in the comments section below.