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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: 2,698
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: 3,065
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


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Established Contributor
Posts: 564
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

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