No. The card holder voluntarily allowed another person to use the card therefore neither fraud or indentify theft has been committed. The only option would be for the card holder to sue the person who made the unauthorized charges. The best choice would be in small claims court, as it is a relative simple and inexpensive procedure.
If you want to save money on your large purchases, you should strive to maintain a good credit report. Your credit report gives lenders the information they need to determine whether or not to approve your loan. When you buy a house, car or any other significant purchase, you can save several hundreds or even thousands of dollars by maintaining a good credit score. You can order your credit report online at no charge once a year. If you have been turned down for a credit application, you can also request your credit report at no charge. The name of the three credit reporting agencies are Experian, TransUnion and Equifax. There are online credit report agencies that will charge you a fee for your credit report. Make it a habit to check your credit report each year. Credit reporting agencies use your legal name, address, date of birth and social security number to identify you. Your credit report will list other names you may have if you are a female who has been married and divorced a few times. You will also find the addresses where you have lived previously. Be sure the information is factual because errors can occur. If you find an error on your credit report you should write the credit reporting agency immediately. You will find on your credit report a list of your credit accounts. The lender will report the date you opened the account, balance information and your payment history. The three credit report agencies vary slightly in their formats. Check your credit account information carefully for accuracy. Your credit report will also list companies that have inquired about your credit. Examples of these would include lenders, credit card companies and others. If you have any collection items or public record information such as bankruptcies, judgments or liens, then this information will also be included on your credit report. Take the time to order your credit report and take steps to improve your credit. Improving your credit will save you money on your large purchases. Make sure your credit report is accurate and monitor it at least once a year.
The effect on your credit will depend on how the lender chooses to report it to the credit bureau. Sometimes a lender will be willing to report it 'paid as agreed' or 'settled' entry on the credit report rather than an actual repossession. If it is reported as an actual repossession or foreclosure it will be on your credit for seven years and negatively effect your rating.
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