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Okay, just when I think I'm gaining some knowledge and control over my credit situation, I feel like a just took a couple of steps backward.

Here's what we did a couple of months ago: we had my husband transfer the balances on his two high-interest cards to a new card at 0% for the next 12 months. The cards are all in his name. I thought we were being wise.

What's just occurred: I was looking at my most recent credit report and see that the above-mentioned CC has been added to my list of open accounts. In the "responsibility" section, it says "authorized user". This is not a joint account and we didn't give my SSN when my husband filled in the blank requesting that a second card be issued in my name but now that balance is being added to MY total revolving credit, thus lowering of my credit rating (that I have been working so hard to improve the last couple of years). Does that sound right?

Thanks,
Fen
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