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If you were an authorized user on your deceased husband's account and have disputed an item what do you do if they will not remove it from your credit?
Wiki User
∙ 8y ago
They do this all the time. And they should not be allowed to get away with it. Authorized users cannot be held accountable for the debt. (Except spouses who reside in a community property state.) Check www.creditinfocenter.com, it has good information (and dispute letters) concerning CRA's.
Wiki User
∙ 8y ago
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How do I find out if I am a beneficiary on a deceased person's bank account?
Bank accounts do not have beneficiaries. If you are not an authorized account holder, and you would know if you are, you have not access. The estate will distribute in accordance with the will.
Can a surviving spouse use her deceased husbands credit card?
Only if she is also on the account. If not, then absolutely not. You can get yourself in a heap of trouble by using the credit card of a deceased person. You must notify the credit card company of the death and close that account.
How does it apply to a authorized user on the account and the primary dies and the card is used after the death who is responsible for the debt even if the deceased has no monies in any estate?
The authorized users who had full access to the account are both equally responsible for the debts incurred. The secondary user most likely used the card before the primary became deceased ... just because the primary account holder dies does not dismiss the responsibility of the secondary account user.
Is a surviving spouse in Pennsylvania responsible for repayment of a credit card debt when his deceased wife was the authorized user on an account that was held by her deceased mother?
No. Only the account holder is responsible for repayment of debt incurred on a credit card. An authorized user is not responsible for repayment, but in this case if the now deceased AU continued to use the account after the death of her mother (the account holder), the AU's estate might be responsible for any charges made under such circumstances. In any event, the surviving spouse is NOT responsible to repay the CC debt.
Is an authorized user on an account for which the primary account holder has been deceased for two years responsible for paying the amounts charged?
An authorized user does not fulfill the definition of "debtor" under the Fair Credit Reporting Act. AU's are not liable for any debt they have not signed a contractual agreement for. If the AU is the heir of a deceased person, the deceased's estate or heirs MAY have liability for their debts. This would depend upon (their state's) inheritance laws and the terms of the will.
Can you have a 401k and deceased husbands 401k and receive ss?
Yes. Having a retirement account such as a 401k or an IRA will not affect your ability to draw social security benefits.
Are you responsible for the debt if you are a 'card holder' on your deceased father's credit card account?
If you have a card with your name on it usually you are considered a joint account holder and are responsible for the debt incurred on that account. If a consumer is listed as an authorized user (they do not have a card with their name) he or she is not responsible for the debt.
You are an authorized user of a business card account are you liable as an authorized user?
No, authorized users are not responsible for an account. Only the actual account holder is responsible for all debt that is incurred.
Is a spouse responsible for credit card debt of deceased spouse in Oklahoma Only the deceased was on the account I was not even an authorized user?
I can't opine on Oklahoma law, but OK is not listed among community property states, and community property states would typically be the only ones where the surviving spouse who is not a co-debtor (or even an authorized user) would be on the hook.
The person authorized to write checks on an account is called?
The person authorized to write checks on an account is called the account holder or account operating customer. He/she is the only person authorized to write checks on that account. Nobody else can do so. (In case of a joint account, all holders of the account can write checks)
Can you use your deceased spouse's or parents' credit cards?
Absolutely not, unless you're an authorized user or joint account holder. That would be credit card fruad, a felony. If you are on the account, you still need to let the credit card companies know of the death, as it may change the status of the account.
Can the parents close all the existing accounts of their deceased son?
Banks require a surviving family member or authorized party to present an order from the probate court before they will access to or the closing of accounts of a deceased person. Creditors can be informed of the death of the account holder, but they will generally take no action towards the account until they have been contacted by the deceased's legally appointed representative. The exception would be accounts that were jointly held.
