Listed as user on hubbys card hurting me

[Anonymous]

I was just wondering, I am listed on about 3 cards of my husbands (Retail, Child Place, Gordons, and 1 credit card Chase)  We are trying to boost my score, because after his company closed and he was out of work for 6 months, we also opened up a business.  His credit sucks and mine is the way to go. These accounts are bringing my score down because he is in default. Can he take me off the account as a user, would that release me from these accounts?

[Anonymous]

You can dispute to each CRA that the account is not yours. They will come off pretty fast. Yes they are hurting your score if he is in default....

[dangphuocloc72]

just dispute bankofamerica ( CL 11500 max out ) not mine . in 3 weeks . do it now your score will go up right the way .

[Anonymous]

Your husband should first call each CCC and have you removed as a user.  Otherwise, if you just dispute the accounts as "not mine," the CCCs will validate to the CRAs that they are your accounts.

[Anonymous]

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@Anonymous wrote:

Your husband should first call each CCC and have you removed as a user. Otherwise, if you just dispute the accounts as "not mine," the CCCs will validate to the CRAs that they are your accounts.

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I did this for my sister about 3 weeks ago and had no problems. The account I did showed "Authorized User" and bingo it was gone.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Your husband should first call each CCC and have you removed as a user. Otherwise, if you just dispute the accounts as "not mine," the CCCs will validate to the CRAs that they are your accounts.

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I did this for my sister about 3 weeks ago and had no problems. The account I did showed "Authorized User" and bingo it was gone.

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Glad it worked for you, but there's no guarantee that approach (disputing as "not mine") will work for OP.  Safer to deal with the CCCs first and dispute later if it doesn't drop from the reports.  The worst outcome would be if OP disputes first, and the CCCs validate.  Then what?

This is one of the problems with credit "repair," excuse me, improvement.  What works for one person won't necessarily work for someone else, whether it's a dispute, DV, GW, etc.  Sometimes you get lucky and the person at the other end of the phone or computer is having a good day.  Other times you catch them on a cold, rainy Monday when they're having their own financial problems and don't want to deal with yours.

People are human (gee, I'm so deep and profound   ) plus we all know that FICO scoring doesn't have a cause/effect pattern that is apparent to the naked non-Fair Isaac eye.

To sum it up: YMMV.

Message Edited by masdeocho on 09-12-2007 02:19 PM