So a couple years back, when my wife and I first got married, she got a few credit cards and I was an authorized user on them. Due to some financial hardships at the time, they ended up being charged off and both of our scores took a major hit. Fast forward a bit, we're trying to rebuild our credit and I'm wondering how to go about getting those off my credit reports. I did a bit of research and it looks like I'm not legally obligated to pay the debt since I was an AU and we didn't actually share the accounts? When I did a google search, from what I understood, experian may remove said accounts from my report. I'm just not sure how to go about getting it done. Do I need to do disputes with the actual CRA's or with the creditor's / CA's themselves and how should I word the letters?
