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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.

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โˆ™ 2015-07-16 18:10:41
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Q: 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?
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