A
Ameliaf
Guest
What is the name of your state? SC
Okay...I need help with a credit reporting problem. Sometime back in 1995 a parent of mine opened up a credit card account and listed me as a secondary user. I never gave my permission or signed any documents to have my name added. I believe they added my name in case I would need to use the card in the future, so no malice was intended.
I never used the card nor did I even know my name was on it. Then in 2000 this same parent filed for bankruptcy and listed this card in his debt. Now in 2004 I am having trouble with my credit because the reporting agencies are showing me with a bankruptcy filing.
I have called the bank and explained my situation. They were extremely sympathic but in the end say that I had responsibility to that account (like a spouse would) and therefor cannot change the filing with the reporting agencies.
Do I have some way of fixing this? Can't I make them prove that I approved being added to the account? Wouldn't they have to have proof of me signing something? My parents did not realize that my credit would be affected when they filed. Do they have some power in fixing this? Shouldn't their bankruptcy attorney have caught this?
Please help!!
Okay...I need help with a credit reporting problem. Sometime back in 1995 a parent of mine opened up a credit card account and listed me as a secondary user. I never gave my permission or signed any documents to have my name added. I believe they added my name in case I would need to use the card in the future, so no malice was intended.
I never used the card nor did I even know my name was on it. Then in 2000 this same parent filed for bankruptcy and listed this card in his debt. Now in 2004 I am having trouble with my credit because the reporting agencies are showing me with a bankruptcy filing.
I have called the bank and explained my situation. They were extremely sympathic but in the end say that I had responsibility to that account (like a spouse would) and therefor cannot change the filing with the reporting agencies.
Do I have some way of fixing this? Can't I make them prove that I approved being added to the account? Wouldn't they have to have proof of me signing something? My parents did not realize that my credit would be affected when they filed. Do they have some power in fixing this? Shouldn't their bankruptcy attorney have caught this?
Please help!!