Latest Posts
Home > Tag Archives: authorized user (page 2)

Tag Archives: authorized user

What Requires an Authorized User Account to be Removed? – Brian

Ready to Collapse

“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 report issue here with an ... Read More »

    Our Marital Settlement Agreement Says I’m Supposed to Pay The Credit Cards But I Was Only an Authorized User. – Alma

    “Dear Lewis, My New Mexico Marital Settlement Agreement (MSA) says that upon the sale of the marital home, I had only one requirement and that was to pay $24K to the credit card companies. Our home has yet to sell. The credit cards were my husband’s and I only was an authorized user. I never co-signed any credit card application ... Read More »

      I Think I Screwed Up My Husband’s Credit as an Authorized User. – Nancy

      Ready to Collapse

      “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 in 4 $250 installments, but ... Read More »

        How Do I File Bankruptcy Without Hurting My Husband’s Credit? I’m An Authorized User. – Christina

        Ready to Collapse

        Will be filing for ch 7.I am an authorized user on 3 of my husbands accounts.The legal assistant told me that the chapter 7 would come out on my husbands good credit report? If I am an authorized user can i remove myself on 3 of my husbands accounts so they dont have to close these accounts and hurt his ... Read More »

          Will Credit Card Companies Grab Me When I Return to the U.S.? – Cha

          Ready to Collapse

          Secondary card holder swiped 30k and now company wants to apply for Corporate AMEX I had added a friend as a secondary card holder to pay for student tuition fees. She charged some 10k while I was around and was paying the minimum monthly due. For company work, I had to relocate outside US for a couple of months. In ... Read More »

            After My Spouse Died I Used His Sears Card. – Laura

            Ready to Collapse

            Husband died in 2005, had no estate, I was authorized user of sears card, and I used it for new washer, dryer, in 2007. did I notify sears he passsed away? no, never dawned on me. sear apparently discovered his passing and came at me with full force to pay of that debt. needless to say I was not finacally ... Read More »

              My Husband Does Not Want Me to Enter The Program With Fast Track Debt Relief. – April

              Ready to Collapse

              “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 little boys, and pick up ... Read More »

                Authorized User on a Credit Card – Chris

                Ready to Collapse

                My sister added me as an “authorized user” on her credit card. I used the credit card to purchase a used vehicle and have been paying the monthly payments on her card for the past year or so. Now she has filed bankruptcy. Her bankruptcy attorney told her that even though I am an “authorized user” on the card, I ... Read More »

                  I’m an Authorized User on a Credit Card and it is Bringing Down My Credit Score. – Dave

                  Ready to Collapse

                  “Dear Steve, When I was 18 and moving into the dorms at college my father put me as an authorized user on a couple of his credit cards. At the time my dad had very good credit and this was done in order to help me build my own credit and use these cards in emergency situations or to buy ... Read More »

                    I Am Authorized User on a Credit Union Account and Don’t Want to Pay My Credit Card With Them. – Jonie

                    Ready to Collapse

                    “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 loan. when the recession hit ... Read More »

                      Do It Yourself Guide to Credit Reports: 10 Ways to Improve Your Credit

                      Ready to Collapse

                      So your credit’s not so hot. A few late payments, maybe an account or two that went to collections. What’s the big deal? As you’ve probably found out, it may be a very big deal. You’ve probably already been turned down for the best credit cards and maybe you’ve had trouble getting a car loan. Perhaps you’ve even put off ... Read More »

                        I’m a Victim of Credit Fraud By My Husband. We Are Now Divorced. – Bobbi

                        Ready to Collapse

                        Bobbi “Dear Steve, Divorced and stuck with huge debt from marriage. What is the best way for me to get out of debt and have decent credit again? I was married to a “spender” who tricked me so many times – getting loans and credit cards under my name without asking me, made himself an “authorized user” and maxed out ... Read More »

                          Chloe Ruins Credit of Daughter With American Express

                          American Express Card

                          Chloe “Dear Steve, My daughter opened an AMEX card for me since my credit is fair. She got me a card in my name off of her account to be used for emergencies For the first 8 months of the card I was able to pay the bill however in mid July I came upon financial hardship and wasn’t able ... Read More »

                            Will the Credit Card Company Go After My Sons in College for My Debt? – John

                            Ready to Collapse

                            “Dear Steve, I have cerdit card debt of $150,000 with my spouse that was used to pay my mortgage and other expenses. My 2 sons (22, 24) who are still in college have dependent cards, and I was wondering if I were to file bankrupty will the card company goes after them? John” The Answer Dear John, To be safe, ... Read More »

                              Can I File Bankruptcy Without Hurting My Husbands Credit? – Theresa

                              Ready to Collapse

                              “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 I work as a preschool ... Read More »

                                Get My FREE Get Out of Debt Guy Newsletter

                                It is the smart thing to do.

                                I promise to keep your email safe and secure.

                                Close

                                I want to keep you posted each weekday with just one email about the latest get out of debt news, scam alerts and information to beat back debt.

                                You can unsubscribe at any time with just one click.

                                After you subscribe, check your email to confirm your subscription. If the confirmation email does not appear in your inbox in a few minutes, check your spam folder for it. Sometimes it likes to annoyingly hide there.


                                • It will keep you posted on the latest scams.
                                • You will be alerted to the latest articles.
                                • You will wind up smarter than everyone else dealing with debt.