kingnothingkc Posted July 13, 2005 Report Share Posted July 13, 2005 My evil ex-wife opened a Cap One account back in 2003 and evidently put me down as an authorized user. I did not know about the account until I pulled my CR and saw the negative TL on my report. I never charged anything, never had a card, never made a payment (and from the looks of it neither did my ex). Can I dispute this as legally not mine and get it deleted from my CR?If so, what is the best course of action?BTW..this forum is the best thing since sliced bread. Link to comment Share on other sites More sharing options...
mommywads Posted July 17, 2005 Report Share Posted July 17, 2005 since no one has responded to you, I"ll put my 2 cents worth in... lol..Yes you can dispute and yes it should be deleted. AUs are not legally liable for the debt. I have gotten 3 things taken off my credit because I was only the AU.. Unfortunately one of them was more difficult as they said I was a joint account holder.If that happens you just request that they show you proof of where you signed a contract requesting that they issue you credit, or that you agree to take the card, or whatever. blah blah.. you get the gist of it...but its usually not that hard. Just dispute it with the CRA's first as not your's and hopefully that will help.. It did for me! Link to comment Share on other sites More sharing options...
yourimage Posted July 18, 2005 Report Share Posted July 18, 2005 I found this information on Experians Website.Credit Reports & ScoresAuthorized users may be able to remove account information from their credit reportsAuthorized users share all the effects of account notations with the primary account holder-bad as well as good. Every piece of information on your credit report is part of the historical record of credit-related activity included in a credit report, and therefore cannot normally be removed until the established reporting period has passed. However, in the case of being an authorized user on an account and not a primary or joint user, you can request that the credit bureaus remove this negative notation from your credit history. The reason for this exception to the rule is that you were not legally financially able to control the account's handling and, therefore, not legally liable for the final outcome of the account's status. To find out how to dispute this information on your credit report and have the authorized user notation removed, read more about disputing inaccuracies. Link to comment Share on other sites More sharing options...
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