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Consumer Bankruptcy : Chapter 7, Chapter 13, Protection From Claims of Creditors
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  #1  
Old 05-21-2005, 06:48 PM
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Join Date: May 2005
Posts: 25

Husband authorized user, credit report & responsible?


What is the name of your state? Virginia

I have filed for chapter 7, personal bankruptcy (5/20/05). My husband (not included in bankruptcy) was a "authorized user" on one of my cc accounts. He rarely used the card and not at all in the last 5 or 6 months, and no large purchases. I requested before filing bk that he be removed from the account and he was. However, I noticed that the credit card is showing up on his credit report (as authorized user). As this debt will be part of the bankruptcy, will it continue to show up on his credit report? Should my husband send a debt validation letter and request that the account be removed from his file?
Thank you.

Ladynred - thank you for your response on an earlier question, I really appreciate it!
  #2  
Old 05-21-2005, 10:34 PM
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Join Date: Feb 2002
Location: Nashville,TN
Posts: 15,706
Just have your husband dispute the 'authorized user' account with the credit bureaus. Since he is no longer on the account, it should come off his reports.
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