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Is the second person on a credit card legally responsible to pay the debt?
Wiki User
∙ 16y ago
Maybe. If the "second" person is an actual account holder then he or she is liable for the debt. If the "second" person is an authorized user of the account, he or she is not legally responsible for the debt but that does not mean the creditor will not attempt to collect from the AU. Additionally, married persons living in community property states are generally liable for credit card debt and other debts incurred during the marriage even when only one spouse is the actual account holder.
Wiki User
∙ 16y ago
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Can adding a second card holder to your credit account affect your credit score?
Not if you are responsible for all of the loans or credit card payments on your credit report. But, if the second card holder is responsible for any payments on your cards, and doesn't make them, then it can cause your score to lower.
Is it legal for a company to place an entry on a person's credit report when they are only an authorized user on the account?
Sorry you need to re-think this question. Only certain, goverment, institutions can get your credit report legally with out your permisssion. When you ask for any type of credit you usually agree to a credit check somewhere in the form you have filled out. * No. Someone has made an error. Authorized user's of an account are not legally responsible for the debt incurred on the account and any activity on that account should not appear on the AU's credit report. It is entirely possible that the AU has been listed as a second account holder, if the AU has a second card bearing his or her name they can likely be held equally responsible for the debt. It would be in the best interest of the involved party to resolve the matter as soon as possible.
Can you have a second person on a credit card?
It depends what you mean by a second person. Typically on and existing credit card you can add people who are authorized to use the card. You can also request for credit under more than one person's name.
Your husband wants to put you as a second cardholder on his credit card you have a bad credit score as you were in debt a few years ago Will you be able to be the second card holder?
Yes because he is responsible for the debt, not you.
Is the second card hold responsible for bill?
if you mean credit card, it is the responsibility of the PRIME (meaning the person in whose name the card is under) card holder, so it is only ethical that the second card holder pays their own charges,
Can the bank you have a second mortgage with and a credit card with attach that credit card to your second mortgage after a person is deceased?
Once a person is deceased all debt is completely erased from that person's credit. If they own a home and do not have a will nor a co-signer of the home loan the government will take over the ownership of that home. If they have credit card debt, the debt is forgiven and no longer in existense.
If you add second person to credit card will it show up on their credit report?
Yes, it does show up on that persons credit report. If you are late on payments, it will negatively impact his/her credit report.
Is a bigamist's second wife legally his wife?
Bigamy: The criminal offense of marrying one person while still legally married to another.AnswerNo. In Western countries you can only be married to one person at a time. Therefore, if you get married again without first obtaining a divorce your second marriage is null and void.
The primary card holder has good credit scoring and applies for a credit card but the second card holder has defaults will it affect the application?
It depends. If the second person is just an authorized user, meaning. they are not the responsible party for paying the account. You would only put the primaries social security number, income, and job information on the paperwork. If you put the secondaries private information on the application then it would affect the application.
Am I responsible for my spouse's credit card debt if I am not an authorized user?
Absolutely not ! If the card is not i your name - you have no legal responsibility for any outstanding balance. HOWEVER - IF you are named on the account as a joint card-holder - you're legally responsible for fifty percent of the balance, regardless of who ran up the debt. Additionally, if you have a second card on the same account - YOU are liable for the expenses occurred on your and the account-holder is also liable for fifty percent of the balance.
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Yes, second cousins can legally get married.
Do I legally owe the company that purchased my charged off account from the original lender who has closed the account and it no longer appears on my credit report?
Yes. Your signature for the first debt obligation transfers to the second when it was assumed by the second creditor. It may not be on your credit report because you may not be late. Their policies may also be different than the first. But you will eventually be reported to whatever credit agency(agencies) they report to.
