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Question By
Bongolisa

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Is it illegal to add some one as an authorized user without their knowledge?

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I do not believe it is illegal to add someone as an authorized user as they are not using not social security number or personal information.   Parents will add children to their cards so that they can use the card and start building their credit profile.   If you are an authorized user on someones account you should generate two letters.  One to the credit card company requesting to be removed.  The second to the bureau requesting to be removed.

However, if you were added as a joint or co-applicant without your knowledge, this is illegal (unless it was your spouse)  You would have to request the account be closed and possibly taking legal action for identity theft against the person who used your information.  A wife or husband can apply in both names for a joint account without recourse. 

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Reply by
faidros

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Note:   If you have a bad credit card and your want to add someone to it as a means to harm them, that is a different question.  If it was done willfully and with intent, thats another legal question altogether.

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