daltx Posted March 21, 2009 Report Share Posted March 21, 2009 Thanks in advance for your help. My wife is being called all the time from Zwicker about a large American Express Debt. She opened the account under her credit and got me an extra card on her account.WOW, today Zwicker calls me and said I'm responsible because there was a card in my name. Again, I did not open the account.Can they sue me?Can they report me to the credit bureaus for non payment? Link to comment Share on other sites More sharing options...
legal_loansharking Posted March 21, 2009 Report Share Posted March 21, 2009 Did she put you on the account as an authorized user ? Or did she include your information and put you down as a co-applicant? Link to comment Share on other sites More sharing options...
jq26 Posted March 21, 2009 Report Share Posted March 21, 2009 authorized user = NO, codebtor = YES. You need to know where you stand. Link to comment Share on other sites More sharing options...
debtorshusband Posted March 21, 2009 Report Share Posted March 21, 2009 WOW, today Zwicker calls me and said I'm responsible because there was a card in my name. Again, I did not open the account.Can they sue me?Can they report me to the credit bureaus for non payment?If you are only an authorized use they can't sue you, and I don't think they can report you to the credit bureaus.So, if you are only an authorized user, Zwicker has lied to you. That should not be a surprise to anyone.DH Link to comment Share on other sites More sharing options...
FightingBack Posted March 21, 2009 Report Share Posted March 21, 2009 I am also interested in determining the answer to this question for certain. I noticed that my credit report lists 2 of my husbands cards on my credit report, 1 helpful but 1 with a couple lates on it. Both specifically list me as "authorized user" on my credit report. Link to comment Share on other sites More sharing options...
daltx Posted March 21, 2009 Author Report Share Posted March 21, 2009 Did she put you on the account as an authorized user ? Or did she include your information and put you down as a co-applicant?She put me on the account as an authorized user only. Link to comment Share on other sites More sharing options...
Recommended Posts