Sue them is small claims court.
The US Government has authorized AnnualCreditReport.com to give citizens free annual copies of all three of their credit reports. If you use any other site you risk being scammed.
The CVV code on a credit card is the three digit number on the back of a credit card. It is an extra security measure that ensures that the person paying with the card is the one physically with the card.
In general, those becoming "authorized users" will not have changes made to their credit report unless (1) they become an authorized user of a company card and that company requires employees to take personal responsibility for charges or (2) they become a joint account holder, making them responsible for all charges. So, if one falls into one of the above camps, the time varies based on the frequency with which the issuer chooses to inform the credit bureaus. Because "authorized user" status does NOT change the liability of the account holder, these types of credit report transactions are not priorities and may take place a few times per year. Wait three (3) months and re-review your credit reports. If the "authorized user" does not disappear, dispute the tradeline with the appropriate credit bureau.
The best three tips is to close out credit cards with a paid balance, make payments on time, and try not to have too many lines of credit reflect on the credit report.
If this is truly a mistake, and the creditor's application does not have authorized user's signature on the application, then the creditor is obligated to correct the credit. Get a letter in writing from the lender stating you are not liable and that they are going to correct all 3 credit reporting agencies. You can send a copy of this letter to all three agencies and get it corrected yourself. I will warn you to keep the original letter as even if you fix the reports now, you may find that in the future, (no matter how many months/years) you will need that letter again.
Not enough info given. HAve you been paying the cards off (or most of it) monthly? How bad is your credit now? 3lines of credit in a yr is pretty extreme. slow down, roncho.
www.annualcreditreport.com it free and u can see all three major credit agencies
Usually within 45 days. It depends on when the company reports to the credit bureau. However if the company does not subscribe to one of the three major credit reporting agencies (TransUnion, Experian, Equifax) or their affiliate bureaus it will not affect your credit at all.
A person will need a name and social security number in order to run a credit check. This is done through one of the three credit bureaus.
No matter what state you live in, once a year you are allowed to check your credit report for free. You can do this at Annual Credit Report. You will get credit ratings from three of the top companies.
The best advice is to get a copy of your current credit report. This will show you a bounty of information such as any money still due, money that companies have written off etc. If your open accounts still reflect a balance, paying them off will help your credit score. A free credit report is available once a year from all three credit bureaus at annualcreditreport.com.
You can save hundreds and even thousands of dollars by paying just a few extra dollars each month on your credit cards. If you have a five thousand dollar credit card that is maxed out, just paying twenty or thirty dollars extra each month will have you paying it off around three years earlier. This depends on your interest rate, but it gives you an example of the money you will save. You will also raise your credit rating by having a lower balance as you pay off your credit card faster.