How is my credit cards is on my girlfriends credit score?

By chance, did you list her as an authorized user? If I were her, I would dispute those listings on her CR and get them removed.

I gave her a card with her name on it but it was only for 1 of the cards.

Right, but by giving her a card, did she have to sign something, making her a co-owner, or did you just list her as an authorized user. If she's an AU, then dispute the reporting...if you listed her as a co-owner/applicant and you gave them her SS #, then this may be more complicated.

I would contact the OC and verfiy how they have her listed.
Let us know so we can help you further.

I remember exactly how I added her. When I applied for the card, it asked if I wanted any extra cards with someone elses name on it. All I have to do was add her first and last name. Nothing else. She is not a co-owner/applicant. So by this, do you think she can dispute it? Also, how would we go about doing this?

I would say that she is only an authorized user...I would call the creditor and ask how they have her listed...if they say co-owner, tell them that is incorrect...and to provide you with any contract that she signed.

Then I would send a letter to the creditor demanding that she be removed and that they remove any credit reporting on her report since she is not a co-owner. Send CMRRR.

After you receive the green card back, have her write to the credit bureaus disputing the credit line as "not hers/mine."

I am having the same problem with my grandmother's card. It is showing on my credit report - I am not an AU, only authorized to speak to the company about the account ( the account has been closed for years and she asked that I be added to speak with them on her behalf about 6 mo ago - after that is when it showed up) b/c I was helping her make her payments.

Good info here! I will try this as well to get it off of my report. Thanks!

They probably now have you listed as an AU. This happened to me with my dads cards. He had me as an AU and after he filed BK they ended up on my CR. I disputed them with the CRA's as not my account and told them the account had been listed in a BK. They removed them within a month.