BTW, You cannot be added to an installment loan. The only way you can be added to an installment loan is if at the time the account has been opened and it were a joint account(i.e. co-signer)
What groovi PROBABLY mean was being added as an AU to a revolving account. Which has been suggested in earlier posts.
Take the advice that has been suggested and you can turn this thing around in no time.
Good Luck!👍
😊