How to Get Name Off Joint Credit Card Account
Author: SeS
Posted: Tue Apr 06, 2004 8:21 pm
Post subject: How to Get Name Off Joint Credit Card Account
To make a long story short, last year the women I was living with and dating opened up a new credit card account. She informed me that she made me an authorized user, without my consent. The card was activated but never used by me. We have since parted ways and the card was destroyed. I have asked her by E-mail to remove me from the account, I received no response.
Today I did a credit check and noticed the account on my report, and with a rather large balance ($2,400). Her current address is also listed as a previous address of mine, which it is not. At this point im not even sure if I am only an authorized user or if it's a joint account. The account is near max, but at least she has kept up on the payments. All I know about the card is from the report: HHLD BANK and the last 4 digits of the account #. Searching your board I have found this is probably House Hold Bank with a phone # 800-695-6950.
How can I find out more about this account? I have zero contact with my ex-girlfriend and do not think she will cooperate in any way. I want this off my credit report and I want NO responsiblity for a $2400 debt I had nothing to do with. I do not know what steps to take to do this. I am very worried about this card, she is not a financially responsible person. If anybody could advise me as what I should do I would greatly appreciate it. Thank you for your time.
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Author: NightStar
Posted: Wed Apr 07, 2004 7:21 am
Post subject: How to Get Name Off Joint Credit Card Account
First of all, you will be no way responsible for this debt since it is only authorized user - so you have no worries on that part.
Second, you will want to write to the credit reproting agencies and dispute that you did not give authorization to be added to this account and want it removed off of your credit report. Also inform the credit reporting agencies that the address needs to be removed, since you have never lived at the address.
If it comes back verified, then you will want to ask the credit reporting agencies to provide you with the address of the creditor so that you can write to HouseHold Bank directly to request the relationship on the account be terminated.
When sending correspondence be sure to make it certified, return reciept requested. Keep copies of all letters sent to the credit reproting agency as well as the creditor.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Posted: Tue Apr 06, 2004 8:21 pm
Post subject: How to Get Name Off Joint Credit Card Account
To make a long story short, last year the women I was living with and dating opened up a new credit card account. She informed me that she made me an authorized user, without my consent. The card was activated but never used by me. We have since parted ways and the card was destroyed. I have asked her by E-mail to remove me from the account, I received no response.
Today I did a credit check and noticed the account on my report, and with a rather large balance ($2,400). Her current address is also listed as a previous address of mine, which it is not. At this point im not even sure if I am only an authorized user or if it's a joint account. The account is near max, but at least she has kept up on the payments. All I know about the card is from the report: HHLD BANK and the last 4 digits of the account #. Searching your board I have found this is probably House Hold Bank with a phone # 800-695-6950.
How can I find out more about this account? I have zero contact with my ex-girlfriend and do not think she will cooperate in any way. I want this off my credit report and I want NO responsiblity for a $2400 debt I had nothing to do with. I do not know what steps to take to do this. I am very worried about this card, she is not a financially responsible person. If anybody could advise me as what I should do I would greatly appreciate it. Thank you for your time.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: NightStar
Posted: Wed Apr 07, 2004 7:21 am
Post subject: How to Get Name Off Joint Credit Card Account
First of all, you will be no way responsible for this debt since it is only authorized user - so you have no worries on that part.
Second, you will want to write to the credit reproting agencies and dispute that you did not give authorization to be added to this account and want it removed off of your credit report. Also inform the credit reporting agencies that the address needs to be removed, since you have never lived at the address.
If it comes back verified, then you will want to ask the credit reporting agencies to provide you with the address of the creditor so that you can write to HouseHold Bank directly to request the relationship on the account be terminated.
When sending correspondence be sure to make it certified, return reciept requested. Keep copies of all letters sent to the credit reproting agency as well as the creditor.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 1:47 PM
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