5thsfg Posted February 25, 2007 Report Share Posted February 25, 2007 I made a big misstake, i recently called orchard bank CC and requested that i be added to my newly wife's CC as joint....after doing this i realized that they will add her entire history of the card to my CR. which wouldnt be a big problem except she has a 30 day late being report about a year ago... so i called them and tried to cancel it ..they said no problem ...the other day i received a credit card in the mail ....i called them and told them to remove me from the account....they said ok ..i don't believe them...what can i do if this shows up on my CR...should i try and dispute the late as not mine with CRA ...will they remove it because it was reported when i wasnt even on the account or should i attempt a good will letter to have the 30 day late removed ....my credit is almost prefect ..and i don't want this 30 day late on my credit report ...any idea of what i should do if this shows up on my credit report would great thank so much!!!!! Link to comment Share on other sites More sharing options...
SOC Posted February 25, 2007 Report Share Posted February 25, 2007 if it lowers your score, then you can just dispute it with the cra and it will disapear. Link to comment Share on other sites More sharing options...
PolarBearnCO Posted February 28, 2007 Report Share Posted February 28, 2007 I'm rather surprised Orchard would let you call regarding your wife's account and add you. I'd have thought your wife would have had to call. Maybe I should call AMEX and ask them to add me to Uncle Donald Trump's accounts. Link to comment Share on other sites More sharing options...
LNY Posted February 28, 2007 Report Share Posted February 28, 2007 if it lowers your score, then you can just dispute it with the cra and it will disapear.Things don't just automatically disappear when you dispute them. Link to comment Share on other sites More sharing options...
SOC Posted February 28, 2007 Report Share Posted February 28, 2007 i meant that loosly refering to being an authorized user. I was on 9 auth accounts and had them removed in under a week by calling the cc company and removing myself and then disputing them with the cra by phone and tellling them i already had myself removed. Link to comment Share on other sites More sharing options...
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