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monicab123

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authorized user and credit score affecte
my boyfriend put me as an authorized user because he said he wasnt able to get the credit card unless i was on it he never paid any of the bills and my credit score was being affected so what did i do i called the credit card company to dispute it i called trans union ad equifax not one person explained to me what he **** a dispute was correctly as im reading what a dispute was online i read its a ****en dispute to not pay a transacton made so now im like did i reallu just get lied to on top of that i called made the dispute and now reading this im in shock if i have to go thrugh all of this jjust to get his ac**** off my credit reports and credit score then this is ****en bull**** i did not know i was on the credit card nor did i consent to it so what would w=be the next step from here if the dispute is not gonna remove anything off my report if your saying yours didnt then all this **** is just fake and im not ever gonna have a good credit score m asking for help becuase idk where to go from here do i need a lawyer to have this information off my credit report i called and cancelled the card and im still nervous my credit score will be bad because of him im in a ****en bad mood now

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You probably on that account as either a co-signer or its joint-account, and not a authorized user. Normally, authorized user's credit has no bearing on the approvals, because often times, the authorized user is being add to the account long after it was opened. If you are on that account as co-signer/joint-account? Unfortunately, then you are responsible for the debt and your report will accurately reflect its history. If you are just a authorized user? Then there are some wiggle rooms, it might be up to creditor to let you off the hook or not and might change how it was reported to the credit bureaus.

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Now, if you had no knowledge of the account and did NOT sign or given consent? Then there maybe some legal recourse, it would be taken as Identity Theft, you would need to file police report, file a complain on FTC site just for starters and possibly need to taking him to court. It's gonna be uphill battle for sure, but it might be only chance to clean up your credit.

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As an authorized user, you're not responsible for any charges.  If you're an actual signer on the account; then you would be responsible for charges you made. 

The lenders' names, addresses, and phone numbers are listed towards the last pages of your credit report on this site. Call them and tell them you wish to be removed as an authorized user on the account(s). 

The lenders or credit card companies may require a written statement in order to remove yourself as an authorized user. Please read the articles here to educate yourself. 

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