Reply
Regular Contributor
Posts: 179
Registered: ‎07-11-2007
0

Re: Should an account of my wifes be on my credit report?

My wife and I are working on cleaning up our credit, and an account she had as a charge-off recently was listed on my credit.  I disputed it with TU, deleted the next day.
Contributor
Posts: 75
Registered: ‎05-31-2007
0

Re: Should an account of my wifes be on my credit report?

So when you disputed, did you go the route as Tuscani advised of stating "this is not my account", or did you state "this is my wife's account and I am only an AU, please remove"?  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.
Contributor
Posts: 75
Registered: ‎05-31-2007
0

Re: Should an account of my wifes be on my credit report?

bump.
Established Contributor
Posts: 630
Registered: ‎06-20-2007
0

Re: Should an account of my wifes be on my credit report?

Sounds like you could do the GW from him, then if its not removed, and you have older TL's, and its not going to really effect your UTIL % you could dispute it as, not mine.
9/18/08 TU=707 EQ=706 EX=702
Contributor
Posts: 75
Registered: ‎05-31-2007
0

Re: Should an account of my wifes be on my credit report?

thanks so confused!
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Should an account of my wifes be on my credit report?



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.


Lates hurt until they drop. The amount of hurt fades with time.
 
Have your husband pursue GW. If your husband can get GW, it's almost assured they will delete the TL altogether rather than delete only the late.
 
You can hold out and see whether your husband can get them to delete only the late, but as I say it's not likely. But I would go ahead and dispute it off your CRs since you're an AU.
 
Contributor
Posts: 75
Registered: ‎05-31-2007
0

Re: Should an account of my wifes be on my credit report?

Noah - I am a bit confused.  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?
 
Help???
Highlighted
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Should an account of my wifes be on my credit report?



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?

Both.
 
Your husband should pursue GW, and that may or may not come to pass.
 
But you can dispute this away without any problem since it's an AU account for you. Either online or in a letter. You can tell 'em either not mine or you're only an AU.
 
The only way an adverse AU account of a spouse can be reported on the AU spouse's CR is if the married couple resides in a community property state (Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, or Wisconsin) and the account was acquired "within the marital community." However, even if you're in a community property state, I would still dispute it as not mine or AU account. Not every OC is aware of community property statutes. They might just see AU and think, "uh-oh, don't wanna be another $100K Johnson v. MBNA."
 
Contributor
Posts: 75
Registered: ‎05-31-2007
0

Re: Should an account of my wifes be on my credit report?

Thanks Noah - got it now.  We were not married at the time that he added me as an AU (about 4.5 years ago), but we are now (just 1 yr.).  And we do live in CA, so I am going to have him sign the GW letter I drafted and also send a dispute letter and online.  One more question since I have not disputed much:  do I file the dispute online directly with the bureau are with the creditor?
Senior Contributor
Posts: 4,635
Registered: ‎03-11-2007
0

Re: Should an account of my wifes be on my credit report?

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.