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SCJ258

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the report shows me having an AMEX card with a balance of $840.00. jI do not have an AMEX card.
How do I get this off my report

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Contact American Express to pull up the account.  It is possible that someone opened an account in you rname.  You may also be listed as a co-application or authorized signee on someone elses account.   You may have to take legal action, filing theft charges and filing a police report if this is not correct.  Start with the creditor.  If you are a joint account holder, the debt would be correct on your report.   If you are just an authorized signee, request American Express to remove you and contact all three credit bureaus to begin the process of being removed.  As a authorized signee, you are not obligated for the debt.  However, if it is a positive account (meaning low % and paying on time) this would be a positive on your credit report.

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As explained in the articles here that are well worth reading, you file a dispute with each credit bureau reporting this card on your account.

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