I added my wife on to almost all of my credit card
Date: Fri, 05/20/2011 - 14:54
You have mentioned that you called your creditors in January 201
You have mentioned that you called your creditors in January 2011 and asked them to remove your wife from the credit cards. In such a situation, it is natural that they will report the accounts under her name till December, 2010. The account won't be completely removed from your wife's credit report.
I guess it's time that your wife needs to write to the Credit bu
I guess it's time that your wife needs to write to the Credit bureaus. She must disclose that she's only an authorized user on your card, and that she's in no way responsible for your debt. She can probably ask to remove all derogatory information that is showing up on her report due to your non-payment. It will probably take 30 days before it gets updated on her report.
An authorized user is not responsible for the debt. In this case
An authorized user is not responsible for the debt. In this case, your wife is an authorized user of your credit cards. Since you requested creditors to remove your wife???s name as an authorized user from credit cards, that???s why your credit card payment history will be reported to your wife???s credit report till December,2010.
When a person is an authorized user under the account of another
When a person is an authorized user under the account of another, all credit history, including derogs and delinqencies, reported on the account of the card holder appears on the credit report of the authorized user.
While the AU is not legally responsible for the debt, by accepting AU status, they do become responsible as far as CR inclusion of the good and the bad.
When AU status is terminated, the entire account will be removed from the AUs credit report, not just events that occured after the termination of AU status.