Authorized user getting collection on my husbands account

My husband added my name as a joint or authorized user on an acct. without my knowledge or consent and then at some point he let the acct go to into collections. Now this is reported on my credit report. Is there any way I can have this removed from my credit report?
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I do not have a perfect answer
I would dispute the account as not mine with the bureaus then dispute them with the collection companies then validate the collections looking for your signature
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I have already filed a dispute with all three bureaus and am hoping for a positive outcome. However I contacted the lender today and they said that I was just as libel for this acct. even though I never signed for this credit card. Again I didn’t have a card for this acct. or access to the monies from it. It is my contention that both parties should have to sign if they are equally libel. If I go to my local bank and apply for access to 5000.00 dollars and I became delinquent they would not report my negative payment history on my husbands credit unless he signed to make it a joint loan. I have also looked into filing a complaint with the OCC who investigate practices by national banks. Do you think I should hold up on filing a complaint with them until I see if the bank responds to the dispute.
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I would wait and see
but if you called ... i would expect it to be verified... I do not know the law here.... try this place
see what they say...
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I got divorced and court odered ex wife to pay van and cards

I got divorced a year ago. The judge said in the divorce decree that my ex wife was responsible for the credit cards and the van and I am to be held harmless. Well she filed bankruptcy and the van was repossesed. I am afraid they will come after me but they took the van and sold it and have not yet contatced me. That being the case if I am responsible then why didnt i get notified with a chance to pay for the van? And if not a judge said I wasnt responsible can he turn right around and hold me liable after the fact ?
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credit and law have little to do with each other. The van folks use the address on the note. They probably do not even know where you are to contact you.
even if a judge decreed something, you can still get hurt with your credit. All you could do would be sue your ex for the money legally. This will not help your credit nor stop the van folks from coming after you.
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Credit Report

MY husband and I have been working on our credit report for a little while and have all of our past debts paid in full. Now all we have is one more left. Our problem is i called to settle the debt and they have no record of our account what so ever. I have given them our S.S.# and everything i possibly could to get this debt settled. Now this debt is the only thing that is keeping us from getting the house we want. How do i take care of something that i can't fix now. I tried to make our wrong a right but now i can't. The debt is a repo through Capitol One auto finance. Will the credit reporting company's take this off since Capitol One has no record of it in their system. If not do you have any advise for us
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dispute it fast
certified delivery mail
send it next day air if your in a hurry
say not yours
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I'm sorry to bother you again but how much will disputing this help our credit score.
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if it falls off and it was 2 years or less old
and you have new current rated credit
as much as 50 points
otherwise probably 10- 20

Divorved my husband 2 years. His health care judgement on my report

I have been divorced for 2 years,I kept my exhusband on my health care plan, He ended up in the hospital never paid his bill I got a judgement put on my credit for 1984.00 in 12/2007 can they due this?
I never knew anything about it until I pulled my credit in 3/2008 .
Do I have to pay this?
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it seems you would to have had knowledge of any judgment. if you were not served papers, and you only had insurance for the man and were not married to him then, I would think you could just dispute the judgment and it would come off. Say not your account
If this does not work i would investgate the court records at what ever court rendered judgment, hopefully the place is close.
i would also call the hospital and confront billing and see if your name may have been used without your knowlegde as a responsible party which is likely since you state it was your insurance.
there might be a possiblilty that your insurance would not pay since you were not married.
In any event i do not believe this should be on your report

Credit Card is lowering our limit raising interest rates for being close to our limit

My husband and I have a unique situation regarding a single credit report error that wasn't, to the best of my reading, addressed on your website. Although we have a high amount of debt ($90K), we have an excellent credit score (800+) due to many years of diligent, timely payments.

However, in 2002, we learned of a bad mark on our report (which we feel was in error), and we wrote the attached letter to Equifax, Experian and TransUnion (which explains all the details). My husband swears that this had been taken care of in 2002, but we just received a letter from two credit card companies that due to having approached/reached our credit limit, along with a report recently viewed on our credit report, they are lowering our limit and raising our interest rates.

We just purchased another copy of our credit report and were astonished to see this mark still on our report. We cannot locate any other documentation other than the attached letter, and the company through whom we made the purchase (and who made the billing error) is no longer in business.

The details surrounding our circumstance are fully explained in the letter (the only change is that our personal info has been blocked out).
Since our case is beyond validation and negotiation (and the debt was paid eight years ago), is there any course of action we can now take to remove this mark from our report and convince these two credit-card companies (to whom we've been loyal customers for many years) that the mark was an error and to lower our interest rates?
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you dispute it with the dispute form

if your score is 800 who cares?
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I see your point (in fact, that's what we thought), but I guess two of our credit card companies seem to care about that negative report. They just decreased our limit and raised our APR by 7% - based on 2 things: the fact that we reached our limit, and this negative mark they saw on our credit report.

How can a dispute for a negative report 7-years old be judged in our favor when the reporting company has been out of business for 6 years? And if we send this dispute form to the bureaus, how can we expect different results than the first time we disputed it?
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Also, hubby corrected me on our score - we're at 714 (last night, he told me 800).

Anyway, interested in your thoughts on trying to dispute our situation.
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Credit card company rules, always state, they can raise your rate for going over the limit or being one day late on any payment. AND THEY ALWAYS DO. i know I've done it over and over.
They also state they can raise your rate for any darn reason they can conjure. If you read the print.

about the old stuff.
that doesn't make sense over here.
Dispute form the items is all i know.
if your score is 800 it means NOTHING.
714 is 6 less then Perfect, Can't get any better, top tier, best credit you can get practically.
so

Did you not see on the msn page just a few days ago that BOA was now raising rates for no reason at all right now.
Did you know Delaware is credit card, title loan, pawn shop, friendly. Like Nevada lets you strip and gamble

Credit Report shows 7 entries by the same collections agency all dated for the same month

I got my husbands credt reports from Experian and CSC. on the CSC report it shows 7 entries by the same collections agency all dated for the same month and year for either 22$ or 28$ ( they all have different acct #s). On his experian report their are 17 different entries all for 05/2004 as well for the same collectiosns agency. They also have different acct numbers. they are also all for 22$ or 28$. I am wondering how I go about disputing these. We knnow the original creditor was Utah Radiology Associates but we dont know why they would have charged him 17 times at once and not just put it all on one bill. We have no receipts for this time period. Are we allowed to contact Utah Radiology Associates and ask them what these charges are. Also these charges were all covered in my husbands bankrupcy, but they still all say unpaid. Their is no reference in the reports that my husband ever had a bankrupcy. if I dispute this will that alert them that they need to put bankrupcy on his report? Also, if I do dispute these what would be my grounds? Sorry for the really long email and thanks for your help and time!
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if they were included in your bankruptcy
they should all say so

you say different things

if the radiology was included in bankruptcy but these other debts were not, then the other accounts would not be legal and you should validate the collection debts.

Yes you can call the radiology people and negotiate and you should if they sold these included in bankruptcy debts.

It does not make sense that one filed bankruptcy and it does not show up on the report.
You mention Experian. Could it be listed on your report at the other 2 bureaus? You should know.
Make sure you have all accounts included in bankruptcy shown as included on bankruptcy on your reports as indicated in the link above.

And
inlcuded in bankruptcy means. NOT Paid in full.
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Sorry yes, I got the reports from Experian and Equifax, Experian has the bankrupcy on fileand equifax does not. it says it was discharged in 07/2004. Most of the multiple radiology accounts were opened in 05/2004 one says 12/2002.Their are 2 that say that the status is "Discharged through BAnkrupcy ch 7/Creditor cannot locate individual. these 2 were both opened in 05/2004 and one is for 22$ and one is for 28$. So it seems that initially there were only two charges, one for 22$ and one for 28$. So when they reported it they only fixed those two, becuase the others are just duplicates. COuld this be true ev en thought they have different account numbers and if this is all correct. Where do I go from here? that was all for experian, for equifaxi have the 8 entries all say unpaid.And their is no reference to bancrupcy in the report. Where do I go from here with this one? thanks again. Sorry i am so confusing!
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use the credit dispute form
if you do not already
have the address
to validate
the multiple same duplicate collections

in the end pay them and be done with that no matter what.
its only 22 and 28 dollars several times.

keep new good credit cards that report to a bureau
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My husband and i are trying to raise his credit score

My husband and I are trying to raise his credit score. We are trying to consolidate our debt into a equity loan. We need a score of 660 to qualify. The scores right now are 679, 658 and 639. One 30 day late (April 07) that the creditor has agreed to correct (we have a letter of deletion) and the last negative is the amount we owe on cc's (ratios) that we are trying to refinace.

My questions are: boyfriend

#1 if the creditor has reported it to Transunion how can I get Transunion to show it. The creditor told me it is slow on their part but they checked twice and they sent the info on their part. Also in your estimate how many points would that add back if if got corrected?

#2 Would it help to reopen old accounts that we requested to be closed to show more credit avaliable so the ratio would come down. Also if we did this would it show as an inquiry on our credit?
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a 30 day late that close to today will actually help alot. i am gonna guess 30 points but i don't know.

you can dispute the account yourself and say account not reported correctly, never late.

if you asked to have accounts reopend they would check your credit and put an inquiry on your credit report.

the ratio your talking about is not a ratio that matters avaiable credit ratio
you need to be concered with credit limit balance ratios to raise scores and debt to income ratios to show you have the ability to pay.

Trying to buy a house my husband lost job and credit cards

Hello. I have contacted you in the past. I am in credit card debt...not horribly, but in a bad spot ($3000). I filed bankruptcy in 2005 since then I have gotten credit cards and my husband lost his job. I have 4 of them. I was behind and worked out plans with 2 of them. The other two were horrible. Tribute and Aspen and I should have NEVER even gotten them. They have both closed my accounts and tell me that if I pay a ridiculous amount on them they will reopen them. Should I try to reopen them and how does this fix my credit any? I am trying to buy a house and this can't come at a worse time. What can I do to fix this situation and try to buy a house in the near future (next year or so). My credit score was something like a 450, but there were a lot of bills that I had paid or included in my bankruptcy on my credit report still. I am currently disputing some of these and providing proof of payment. I am working with a community program (Mustard Seed in Akron Ohio) that helps people like me buy homes. However, they aren't the best at getting back with me. Do you have any ideas of programs that can help me buy a house? Help with a down payment? Another question, with the interest rates being so low, should I still try to buy a house or should I scrap the idea? I am renting a house for $905 a month. I am POSITIVE I would pay less if I bought a house. In Ohio $905 is a lot of money for a 3 bedroom house in Cuyahoga Falls. Any help would be GREATLY appreciated. I am simply losing my mind and a lot of sleep.
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if you can
pay and re open the credit cards
after one year you ask them to only report the past 24 months like most revolving debt.
the old bad goes away and the new good raises your score even more.

whenever i hear someone talk about help with a downpayment and borrowing money for something, I am remided of an old finance here pay here philosophy.
No personal investment means it is too easy to walk away from.
So you really have to have some investment or most will not finance you. Maybe sweat equity or rent to own.

maybe you can't buy a house. Most of this is stable income and budget stuff. Until anyone works that out, the credit will be bad.

Citibank card shows 30 60 90 days late in 04. need 700 credit score

Hello, Love you blog. Today's credit system can make anyone feel helpless and I appreciate the information you provide. I need some advice: I had and Associates Citibank card which I opened in Oct of 1998. I had a 30 days late in April '03, 60 and 90 days late in Dec 03/Jan 04. I paid the account in full, but the credit card was closed by the grantor. On my freecreditreport.com report it shows the late dates and states that the creditor closed the account, but shows little green OKAY boxes until 2005. (I honestly, don't know when the creditor closed the account - I just quit using the card) My husband and I are trying to get a house this year and my score is between 668-685 depending on agency. I do not have any other late payments and my credit history since then has been spot on. (Threeaccounts open, good balance to credit line ratio)Is there anything that I can do to get my score up? (Would love to break the 700 mark) Can I get the past due accounts removed from my record? Thanks for your help!
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sometimes they will let you open a past account
see what i did here with bp oil
capital one would be the best route
you need 3 open for at least 12 months with no new lates
and all past dues paid. score should jump dramatically
if you cannot pay past dues maybe you will get lucky and
2 years will pass with no trouble and then 7 years with no trouble.
What I have found though is many accounts get sold or collected on within the 7 years period
and bam
there we go again on the 24 months and the 7 years again from date of last activity.
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Fix my credit 8 credit card charge offs and 120 days late on car lease

I am 23, and am in need of some desperate help to fix my credit. I am 23 and am getting married and I have a credit score of 530. My fiance is an immigrant and has no credit at all, so we have been focusing on fixing mine. I had several collections on my credit as well as like 8 credit cards and a car loan for a lease. The car loan is up in May and was 30 days late 9 times. All of my charge cards have been paid off in full except one that has an 1100 dollar balance and was 120 days late, however I am now caught up. U just opened a secured credit card with a limit of 200 dollars I have had it for almost 6 months and have never been late. I dont realy know what to do I have been working really hard to pay all of this off and my score isnt moving, I cant afford to pay someone to help me, so I was looking on the internet and found your site. If you could give me some advice or tell me what I need to do I would appreciate it
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i would try to open 2 of those old charge cards.
after 12 - 18 and 24 months ask them to report only that past 24 months of your credit on that account since that is normal revolving credit practice.
many times all the old late will be gone and you will have 2 new good rated lines of credit.

something goes for your husband. he is gonna have to get some credit so you can use his income for furture credit needs. get him to try here. of course he will need a social security number and if he is an immigrant he may not have one. he needs some credit and can have a great score in less than 13 months if he can get one of these cards that report to a bureau

everything else should be getting to the 24 months or older point which will helpyor score
IF
you have good new open never late lines of credit that are 12 months old
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Will charge cards typically let you reopen them, and what cards would yousuggest trying to reopen because I only had like one major credit card whichwas a capital one card the others were store cards like jcpenney and kohls Iwas told that instant credit through stores can hurt your credit in the longrun.
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sometimes they will let you open a past account
see what i did here with bp oil
capital one would be the best route
you need 3 open for at least 12 months with no new lates
and all past dues paid. score should jump dramatically
if you cannot pay past dues maybe you will get lucky and
2 years will pass with no trouble and then 7 years with no trouble.
What I have found though is many accounts get sold or collected on within the 7 years period
and bam
there we go again on the 24 months and the 7 years again from date of last activity.

Denied credit for a 30 days late on my credit report.

your web page about bad credit. I was 30 days late (1st time on 4 year car loan) and when I noticed by the next month I paid both months at once. I called the finance company to see if they could remove it from my credit report and they put my on hold for a few minutes. They came back and said that they could not because it was a law that automatically kicks past 30 day accounts out to the creditors. Sounded like bologna to me but was wondering what to do to get this removed. I could pay off car in full if this would help remove it. My husband's business had been denied credit I feel due to this problem. What do you think and can you help me? Any info would be appreciated.
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in 24 months the lates will not affect your credit.
sounds like you have done all you can do as far as removing it
i know you can go back after 24 months and ask because many credit cards and lenders only report the past 24 months activity.
sometimes crditors will allow one months grace per year. you might ask for that. one months grace.

one thing would be to pay it off and make sure the account would not hurt you in two years

negotiated pay off and removal. credit didn't remove. Dispute accounts

hello again bo, I am so mad I dont know what to do or who to call I emailed you a couple of months ago I was the one who has to refinance my home I have a arm, well anyway for 6 months now I have been valadateing disputing and writing letters to clean up our credit, well since they merged my sons and my husbands they put a fraud alert on my husbands credit report. Well I have been getting all them letters from eq, trans exper. which say they have been deleted ok were doing great we are all done and apply for a home loan and they didnt take anything off my husbands eq report, I did not pull his reports online I just assumed after all I have Offical letters stating they deleted these, I was so mad FIRE was coming out my ears, this was on friday, today is a holiday. who do I call eq can they update the file I read somewhere if someone else (like a bank pulls your report and there is neg info on there thats not suppose to be there after you disputed it they are in violation. Please help me what should I do? thanks
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use copies of the letters to dispute the files at the appropriate bureau
should take about a month
www.oskie.com/credit-dispute.htm

merged my sons and my husbands cedit report

hello again bo, I am so mad I dont know what to do or who to call I emailed you a couple of months ago I was the one who has to refinance my home I have a arm, well anyway for 6 months now I have been valadateing disputing and writing letters to clean up our credit, well since they merged my sons and my husbands they put a fraud alert on my husbands credit report. Well I have been getting all them letters from eq, trans exper. which say they have been deleted ok were doing great we are all done and apply for a home loan and they didnt take anything off my husbands eq report, I did not pull his reports online I just assumed after all I have Offical letters stating they deleted these, I was so mad FIRE was coming out my ears, this was on friday, today is a holiday. who do I call eq can they update the file I read somewhere if someone else (like a bank pulls your report and there is neg info on there thats not suppose to be there after you disputed it they are in violation. Please help me what should I do? thanks
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use copies of the letters to dispute the files at the appropriate bureau
should take about a month
www.oskie.com/credit-dispute.htm

fix and raise my credit score, diplomat husband security clearance

Hello Mr. Majors I found your site while looking for information on how to fix and raise my credit score. I apologize in advance for this lengthy email and for how candid I need to be. I am married to a US Diplomat. We have been married for almost one year... Wednesday will be our one year anniversary.
I knew I had bad credit from my first husband's bankruptcy and from poor choices that I made, myself, in the past. I have never had to be responsible for anything financially aside from a few car loans when I was in my teens and early 20's. With my first husband I was never allowed to have any responsibility nor was I informed or included on any of the decisions made. When he filed for bankruptcy, I did what I was told and I signed everything. I didn't know that I did not have to sign anything. To this day I still don't know what all the debt was from. My problem now and what I need to do:
Because of my husband's security clearance, my credit score puts him at risk of losing his career. He's been asked several times about why my credit score is so bad. My credit score is 433 and I found that out just last week. Last summer, I was in the US and got a free copy of my credit report. With my husband's urging I paid as many of them off as I had valid phone numbers for. Just last week, I paid everything off that was listed on TransUnion. I attempted to receive credit reports from all three credit reporting companies but I am unable to do so from here. We are living in Germany at the moment and they won't release it to our IP address.
Because of my credit score, my husband and I have to separate in order for him to not have any danger of losing his career. I have to move back to the US very soon and work on fixing this before we can live together again. I honestly do not know what else will be listed on the other two reports. I do not even know if the free credit report that I got from the government last summer used information from all three credit companies. I was told today by Credit.com that there was an alert on my Experian report and that they were unable to release that information to me.
My husband said that the alert may be nothing more than the fact that I tried accessing it from here. I feel as if my entire world has fallen apart. My husband is very angry about all of this, and rightfully so. He is also angry that he didn't 'push' me harder to have this taken care of last summer when I first looked into it. Our separating is the one and only way we can salvage our marriage and keep his career safe in the process. I had a surgery four months ago that almost killed me.
My husband had been talked to about my credit again but he did not tell me at that time. He's been sitting on this worry and anger for a long time and it finally blew up. Our plan is that I move back to the US and get an apartment there. I will have plenty of money to get started and my husband's father is going to look for a car for me. I'm not entirely certain why I chose you to email with this. I think it's because your picture on your website reminds me of my father-in-law. :) I need to know the absolute fastest way I can raise my credit score so that I can be with my husband again. I'm sitting her typing this to you and crying because I'm so terrified. Right now, I have no credit cards and no loans. I know that electric companies and phone companies report to the credit bureaus, but I don't know if that is enough. I would like to get some kind of credit card and use it and pay on it every month to create a credit trail.
My husband also told me, that when I insure whatever car I get, to only pay monthly so that that shows up as well. My goal credit score is 650. That will insure that my husband will not be questioned about my credit and I will be able to get work at the Embassy that he will be assigned to. My husband and his family are the only family I have. I don't want to lose that and this is killing us both but there is absolutely no other way. I don't know if, for me, hiring a law firm that deals with credit repair is the way to go or not.
There was one thing that showed up on the report I got during the summer that is not on the TransUnion report I got last week. This was the only thing listed there that I would dispute. It was for a credit card and the amount was a little over $15,000. I have never had a credit card that was even remotely close to that limit or would be that limit even with years worth of penalties, etc. Thank you, in advance, for any kind of suggestions that you may have and are willing to share with me. My situation is one of complete desperation.
My husband is diverting part of his paycheck into whatever bank account I set up, so I will not have any problems keeping my head above water while I am working to correct this. I'm 36 years old and all of this "adult responsibility" stuff is completely new and foreign to me. It's embarrassing and it was and is the one thing I wanted to fix about myself. I know I need to do this for me, but I am doing this for my husband as well.
Kindest Regards
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utilities do not help your credit

you need an open line a good credit. a credit card thats reports to bureaus
you really need 3 that have a credit trail at least one year long

go here and get one or two that reports to bureaus. MAKE SURE THEY REPORT.
pay extra or a downpayment if you have to. steadilt increase your own credit limit by chargeing gas each month and paying more than you charge each month till you have a balance owed to you of 500+ dollars at the end of one year.

pay off everything you can that is past due or charged off, or in collection and maybe in your bankruptcy. read this page about bankruptcy .

if you pay everything off and get some lines of credit with a 1 year credit trail. your score will jump to 650 i guarantee it.

433 suggest nothing is positive on your report.

as far as the lock at experian

your husband is probably right.

for protection purposes.
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