Auth. User removal clarification

[lillie]

Hi All, I have unfortunately had to spend almost all of my last 24hrs scouring this forum because yesterday my hubby was served for a suit from Midland Financial from an old debt and trying to figure out how to get through that mess. So,  I decided to pull our credit and see what we were looking at and start fixing some things. better late than never, right?!  

On his account he has 4 accounts that he is listed as an authorized user, they are not in good standing. I am trying to understand my steps: do I send the CRA's and/or the collection agencies all letters stating that this account is not his?  Is this the same thing as having them validate the debt and are there any specific form letters I need to use? I understand that I should mail these CMRRR. Edited to ask: Should I send in all 4 account disputes to all three agencies at once or just send 1 at a time?

During my research, I saw a thread from '07 that said that authorized user accounts wouldn't have an effect on scores. Is this true and if I have them removed will it at least help increase his scores some? 

Thanks! 

[BV80]

27 minutes ago, lillie said:

Hi All, I have unfortunately had to spend almost all of my last 24hrs scouring this forum because yesterday my hubby was served for a suit from Midland Financial from an old debt and trying to figure out how to get through that mess. So,  I decided to pull our credit and see what we were looking at and start fixing some things. better late than never, right?!  

On his account he has 4 accounts that he is listed as an authorized user, they are not in good standing. I am trying to understand my steps: do I send the CRA's and/or the collection agencies all letters stating that this account is not his?  Is this the same thing as having them validate the debt and are there any specific form letters I need to use? I understand that I should mail these CMRRR. Edited to ask: Should I send in all 4 account disputes to all three agencies at once or just send 1 at a time?

During my research, I saw a thread from '07 that said that authorized user accounts wouldn't have an effect on scores. Is this true and if I have them removed will it at least help increase his scores some? 

Thanks! 

He needs to dispute the entries on his CR.   His dispute would be that he's an authorized user. 

No, disputing with the CRAs is not debt validation.   A consumer requests debt validation after receiving an "initial communication" from a debt collector.  Finding accounts on a CR is not an initial communication that triggers debt validation rights.