Reply
New Visitor
Posts: 1
Registered: ‎10-17-2011
0

Why is my Spouse's account on MY Credit report???

I didn't sign ANYthing to do with her business, let alone her credit account, yet it shows up in MY credit report which also btw says I have too many credit accounts!!

So, why is my Spouse's account on MY Credit report?

 

and can I force them to remove it?

THANKS

Valued Contributor
Posts: 2,732
Registered: ‎08-13-2009
0

Re: Why is my Spouse's account on MY Credit report???

Nicely ask the CB to remove it as not your account.

 

OR

 

Nicely ask the creditor to remove it from the CB because it's not your account.

 

 

Senior Contributor
Posts: 3,067
Registered: ‎11-02-2009
0

Re: Why is my Spouse's account on MY Credit report???

She may have requested a second card for you and added you as an authorized user.  You would not have had to sign for anything.  It's still basically the same fix.  You cancel the AU card and then ask them to stop reporting or dispute with CR as not mine.


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Established Contributor
Posts: 569
Registered: ‎04-26-2007
0

Re: Why is my Spouse's account on MY Credit report???

Before you do anything I suggest you talk to your wife. She may have a good reason for you to be an authorized user which is exactly your status at this point. After all, it could help your score but not if the card has high utilization.

Good Luck

FICO scores on November 17, 2014 (prior to applying for and being approved my mortgage)

EX=738
EQ=735
TU=754

FICO scores on March 4, 2015 after being approved for mortgage and buying the home, the mortgage isn't yet reporting.
EX- 689 EQ- 739 TU- 739
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.