Hello everyone,
My question is as follows:
I was (or rather am) an authorized user on two of my Mother's Chase cards. Recently (without me knowing) she decided to completely max them out and stop payment on them. I was able to get my first credit report only a couple of weeks ago (due to a lack of credit history, I am now on my own) and saw that both of these cards are 120 days past due, and that the balance shows up on my report. I realize that I am legally not liable for the balance, however, it still shows up on my report, as well as damaging my credit by increasing my late payment percentage.
I called up Chase and I was told that they (chase) could not remove me as an authorized user until the balance has been paid off. I am no longer in contact with my mother so getting her to remove me is not an option either. What should I do here? These cards that I was an authorized user on are damaging my credit quite badly now (I have 3 cards in my name, all paid off with no late payments)
Thank you
