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AU on an Citi cc. Husband let acct go to collections w/o my knowledge. How do I get name off account

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Anonymous
Not applicable

AU on an Citi cc. Husband let acct go to collections w/o my knowledge. How do I get name off account

 
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4 REPLIES 4
simplynoir
Community Leader
Mega Contributor

Re: AU on an Citi cc. Husband let acct go to collections w/o my knowledge. How do I get name off acc

Hi and welcome to the forums, @Anonymous 

 

First things first I would remove yourself from your husband's credit card as an authorized user and go from there. A lot of banks will update the credit bureaus accordingly and they should be removed. If the account is still appearing on your reports then the next step would be filing a dispute along the lines of "please remove account because I'm an authorized user not the primary therefore not responsible for charges" reason. Im sure we have forums members who know exactly how the process will be and can assist you

Message 2 of 5
Anonymous
Not applicable

Re: AU on an Citi cc. Husband let acct go to collections w/o my knowledge. How do I get name off acc

Thank you for the welcome!
Citi cc has been taking me/ us in circles. My husband tried to get me off as an AU at my request, I have called, I even sent a letter of request saying I wasn't aware of the fact he wasn't paying and wasn't responsible because I am only an authorized user as per a manager at Citibank's recommendation that it would easily be taken off. They have give the response that account is closed so they no longer can take me off. They have said in response to my letter that my husband has to request to take me off. When we each try calling we get sent to the collection agency who has the account. I don't know what else to do. I'm so upset and my credit has been ruined by my husband. I need help knowing how to get this off my credit report

Message 3 of 5
SlideOrInsert
Regular Contributor

Re: AU on an Citi cc. Husband let acct go to collections w/o my knowledge. How do I get name off acc

at one time I had accounts on my report where I was an auth user of a couple of my dads accounts. one closed and the other was open, both in good standing and very well aged. father and I had an unfortunate falling out many years before I even realized they were on my reports, so I didn't really feel comfortable contacting him.

 

I was able to dispute each through 2/3 credit bureaus online dispute portal as "not my account" or something to that effect. I had to call for the third but gave the same reason. within days I was notified by each that the trade lines had been removed.

 

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Message 4 of 5
OmarGB9
Community Leader
Super Contributor

Re: AU on an Citi cc. Husband let acct go to collections w/o my knowledge. How do I get name off acc


@SlideOrInsert wrote:

at one time I had accounts on my report where I was an auth user of a couple of my dads accounts. one closed and the other was open, both in good standing and very well aged. father and I had an unfortunate falling out many years before I even realized they were on my reports, so I didn't really feel comfortable contacting him.

 

I was able to dispute each through 2/3 credit bureaus online dispute portal as "not my account" or something to that effect. I had to call for the third but gave the same reason. within days I was notified by each that the trade lines had been removed.

 


This. OP, simply dispute with the bureaus.


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