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Since you are an AU, you have equal responsibility towards the account. People often add themselves to take advantage of the primary owner's good, long credit history and boost their scores. If you want, you can remove yourself. Just call the CC company and it should wear off your CR by the next reporting cycle.
SavannahMan wrote:My wife openeda credit card account with a dept. store before we married. After we got married she added me to the account as an authorized user although I have never used the acccount. This account now shows up on my credit report although I did'nt sign any agreement with this company.Is this legal? and can I have it removed even though we are still married?
Yes, this is legal and you potentially benefit from it. The fact that your wife did this and is it legal, not sure. But after reading this post, you shouldn't care. Read on...By being an AU on your wife's dept store card and assuming there is nothing negative being reported on this card, you have a nice aging tradeline (TL) reporting on you credit reports. If however, something is negative on this tl then it will ding your score. If everything is positive, do not remove yourself as an AU. You could potentially take a major hit to your scores. By the way, do you know your FICO scores.
SavannahMan wrote:My wife openeda credit card account with a dept. store before we married. After we got married she added me to the account as an authorized user although I have never used the acccount. This account now shows up on my credit report although I did'nt sign any agreement with this company.Is this legal? and can I have it removed even though we are still married?
AU's have NO FINANCIAL RESPONSIBILTY, only the primary cardholder does.
overdrive wrote:Since you are an AU, you have equal responsibility towards the account. People often add themselves to take advantage of the primary owner's good, long credit history and boost their scores. If you want, you can remove yourself. Just call the CC company and it should wear off your CR by the next reporting cycle.
SavannahMan wrote:My wife openeda credit card account with a dept. store before we married. After we got married she added me to the account as an authorized user although I have never used the acccount. This account now shows up on my credit report although I did'nt sign any agreement with this company.Is this legal? and can I have it removed even though we are still married?
fused111 wrote:AU's have NO FINANCIAL RESPONSIBILTY, only the primary cardholder does.
overdrive wrote:Since you are an AU, you have equal responsibility towards the account. People often add themselves to take advantage of the primary owner's good, long credit history and boost their scores. If you want, you can remove yourself. Just call the CC company and it should wear off your CR by the next reporting cycle.
SavannahMan wrote:My wife openeda credit card account with a dept. store before we married. After we got married she added me to the account as an authorized user although I have never used the acccount. This account now shows up on my credit report although I did'nt sign any agreement with this company.Is this legal? and can I have it removed even though we are still married?
Huh? Why?
Tuscani wrote:Dispute it as "not mine"
fused111 wrote:Huh? Why?
Tuscani wrote:Dispute it as "not mine"
focused07 wrote:I am in the same boat (I am an AU on my husband's card and there is one 30 day late payment that is reporting to my CR) and was about to write a GW letter but wonder if I would get faster, better results by disputing. There is otherwise a perfect payment history on this card. The account is about 5-6 yrs old but I have others and it's currently reporting as "closed by the consumer" - so not sure it's doing anything but hurting my score right now anyway.
focused07 wrote:So are you recommending that I should have my husband send a GW letter to them? Or should I dispute the tradeline as not mine? I have prepared the GW letter and I am ready to send. Can I do both simultaneously (the GW and the dispute as not mine)? If I go the "not mine" route, do I indicate anywhere in the letter that I am an AU on the account?
Lolly, lolly, lolly .... lolly's going to be stuck in my head, all night long! That and Conjunction Junction ... what's your function???
fused111 wrote:Yes, this is legal and you potentially benefit from it. The fact that your wife did this and is it legal, not sure. But after reading this post, you shouldn't care. Read on...By being an AU on your wife's dept store card and assuming there is nothing negative being reported on this card, you have a nice aging tradeline (TL) reporting on you credit reports. If however, something is negative on this tl then it will ding your score. If everything is positive, do not remove yourself as an AU. You could potentially take a major hit to your scores. By the way, do you know your FICO scores.
SavannahMan wrote:My wife openeda credit card account with a dept. store before we married. After we got married she added me to the account as an authorized user although I have never used the acccount. This account now shows up on my credit report although I did'nt sign any agreement with this company.Is this legal? and can I have it removed even though we are still married?
I and my exwife after we got divorced,somethings happened with my credit?I have been usa more than 10 year,I did not doing anythings was wrong,please,let me know?this is first time I would like to know my credit because I had application for line credit of bank of america for pay off my home but it does work by my credit? it ok! right now I do not need anything eles,I aready pay off my house by last weed,I do need the bank anymore...you can see that,do you know me good or bad?Just myselt know about that!credit must by myselt,they checks very hard credit of every one and they go the hell! and myself is bad credit but I pay off my home by my money?I living here over 10 years,I NEVER NEED CREDIT! THANK FOR CREDIT BUT I DONOT DEED IT!
Your wife can certainly legally add you to her credit card as an authorized user. This means that you could get a card so that you can legally use the account if you wish. However, I was told (by a credit card rep when I had my daughter on my card as an authorized user) that she would not build credit as an authorized user; she would only build credit as a joint user. So, I am surprised that the credit information appears on your credit card. Are you sure you are not a "joint" user.
Reminder to anyone responding to this thread: It's 5 yrs old and OP hasn't been around since then.
@Anonymous wrote:Your wife can certainly legally add you to her credit card as an authorized user. This means that you could get a card so that you can legally use the account if you wish. However, I was told (by a credit card rep when I had my daughter on my card as an authorized user) that she would not build credit as an authorized user; she would only build credit as a joint user. So, I am surprised that the credit information appears on your credit card. Are you sure you are not a "joint" user.
Both FICO and creditors alike can and do consider AU accounts and it is a good way to help build credit. FICO looks at AU accounts equal to and on par as if it were your own accounts. Creditors generally don't mind AU accounts and they certainly help. However, if you have a 100% reliance on AU accounts, then than can be an issue for some lenders. There are some posts in Mortgage Loans, for example, where the lender asked the borrower-to-be to remove AU accounts. It's OK to have a couple to get started, just don't rely 100% on them.
OP hasn't been on in 5 years, but it is normal for an AU to appear like that without providing a SSN. Happens all the time.