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What can you do if a credit card on which you were an authorized user is showing up as a charge off on your credit report?
Wiki User
∙ 8y ago
Authorized users are not legally responsible for debt. Contact the crediting bureau and despute the item (explaining the circumstances.) They have to remove it!
Wiki User
∙ 8y ago
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How long do charge offs stay on your credit report?
Charge offs will stay on your credit report for 3 to 7 years
How do you erase credit pulls?
If the credit pulls were not authorized, write a letter to each of the bureaus that are reporting the inquiries, and let them know that they were not authorized. Legally, they should remove this information from your credit report if it is inaccurately reporting. If you did authorize the credit pulls, then this information will likely stay on your credit report for 1-3 years.
How do you remove charge offs credit report?
Dispute them with the credit bureaus.
When is a charge off removed?
A charge off will stay on your credit report for 7 years unless removed by the original creditor or the credit bureaus. You can dispute a charge off with the credit bureaus and they must verify it with the original creditor with in 30 days or it must be removed from your credit report.
Do you have to dispute an error on your credit report to ALL 3 credit bureaus?
If the error is showing on all 3 then yes, you have to dispute to each individual credit bureau. If it is only showing on 2, then you just dispute the 2 it is showing on.
Can a credit card company report bad credit on an authorized user's credit report after the death of the primary card holder?
if you are an authorized user on the card then you are responsible for the card too. so yes they can
If you have a credit card only in your name will it affect or show on your husbands credit report?
No, only the owner and authorized users of the credit card will be reported on the credit card company to the credit agencies. If your husband is an authorized user on the credit card then it will show up on his credit report.
If you file bankruptcy will that remove a charge off report from a credit card?
Filing bankruptcy does not remove a charge off report from a credit card on your credit report. It just adds bankruptcy to your credit report.
You are filing bankruptcy - all debt is in your name your husband is an authorized user on your accounts and the debts are showing up on his credit report What will happen to him?
he would have to pay to because the acconts is in his name
How long do charge offs stay on your credit report?
Charge offs will stay on your credit report for 3 to 7 years
Does the balance on a credit card show on your credit report if you are an authorized user on that card?
In a word, yes.
How do I request my free annual credit report?
AnnualCreditReport.com is the only authorized site to receive your free credit report under US law.
How do you erase credit pulls?
If the credit pulls were not authorized, write a letter to each of the bureaus that are reporting the inquiries, and let them know that they were not authorized. Legally, they should remove this information from your credit report if it is inaccurately reporting. If you did authorize the credit pulls, then this information will likely stay on your credit report for 1-3 years.
Is it true if you add a person to another persons credit card it can improve the first persons credit rating?
If it does report it will show that you are just an authorized user, most cards don't even report authorized users anymore.
If you are an authorized user on someone else's major credit card and the account isn't paid does it affect your credit as well?
It negatively affects both the primary and the authorized user credit score and report.
How do you remove charge offs credit report?
Dispute them with the credit bureaus.
If a credit card in husbands name only and has late payments does it affect wifes credit?
No, if the wife is not an authorized user on the credit card then it does not affect the wife's credit report. So the late payment will only be on the husband credit report.
