I was an authorized user on one of my DH's credit cards with HSBC. They have me listed as a Joint Owner which was not the case. I need to send them a letter requested proof that I signed an application, etc. to prove that I owe them this debt, which I'm sure I don't.
If you've written a DV letter to an original credit please share a copy of your letter so that I'm not having to reinvent the wheel.
Thanks a bunch!