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 clean” credit report. He could not even qualify to buy his girlfriend an engagement ring ….. needless to say, he is not happy.

How can we have that removed from his credit report ? Help !!


credit good narrow

Dear Betty,

Since he is only an authorized user those accounts do not count towards his credit score. It sounds like his score is low because he does not have enough of his own credit.

He should read How to Easily Rebuild Your Credit and Have Good Credit Again.

This will get him on track to building his own good credit.

He should also consider signing up for Credit Karma and monitor his credit score for free. He can use their online credit score calculator and see what it will take to increase his score.

You can relax, you should feel not guilty.

While the card is reflected as included in bankruptcy his public records section of his consolidated credit report should reflect he did not file bankruptcy.

Please post your responses and follow-up messages to me on this in the comments section below.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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3 thoughts on “My Son Was an Authorized User on My Credit Cards and I Filed Bankruptcy. – Betty”

  1. Hi Betty, your son should be able to call the two companies and request they remove their tradelines from his credit report. It literally should be that simple, since he was just an authorized user.

    If he encounters any resistance tell him to speak with a supervisor. Good luck and please let us know what happens.

    • Thank you so much Jared. So we should call the actual credit card companies (Chase Bank & Home Depot) to straighten this out ? How then, will the 3 credit agencies get this info ?

      • No problem, Betty. Exactly. Just have HIM call and explain that he would like the tradelines removed from his report, because he is “just an authorized user”. They, in turn, should remove the tradelines automatically.

        The phone calls should take just a few minutes. If he experiences any resistance, just have him ask for a supervisor. Then, once they agree to remove them, it will take about 30 – 60 days to come off his report.


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