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Old 06-29-2009, 01:01 PM
Junior Member
  
Join Date: Aug 2003
Location: SoCal
Posts: 18

Authorized User on DH's CC

California

Hi Everyone,

I've not been here for a while... I've had some past credit troubles and have been on the road to recovery for a while now. Unfortunately my credit score is still just so-so. (EQ-664). One of the problems is that my DH put me as a AU on one of his CC's a while ago and now it's showing up on my report! The reason it's such a problem is that the card is maxed out and usage is like 99%. My usage on my open cards varies from 0-5% so my usage is now at 82%! (This includes a derog bal of $2284 on a closed account, will be removed 8/2009) He didn't give them my SS# or anything so how did it end up on my report? More importantly, how do I get it off? If DH removes me as a AU will it automatically come off? Or can I dispute with CR to get it off? TIA
  #2  
Old 06-29-2009, 01:18 PM
Senior Member
  
Join Date: Feb 2006
Location: Philadelphia, PA
Posts: 17,310
CA is a community property state. His debts are your debts, whether you are an AU or a joint account holder or not.
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  #3  
Old 06-29-2009, 01:20 PM
Junior Member
  
Join Date: Aug 2003
Location: SoCal
Posts: 18
Hi ecmst12,

Maybe I should have been more clear, I realize his debts are my debts too. I just want to increase my credit score.
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