No. of Recommendations: 1
On my credit report, there is a mysterious account with a balance of over $5000 and a late payment that isn't mine. I wrote to the companies disputing it and one
took it off but the others said they verified it was mine. All I can think of is that this might have been a case of me being added as an "authorized user" to some old ex-boyfriend's card, and now somehow it's listed as joint.

I have no idea what company this is, it's some abbreviated name of a bank I've never heard of, and the phone number provided by the reporting agencies turned out to be one of those automated lines where it prompts you to enter your account number BEFORE you have any other option, and no amount of pressing 0, 9, #, *, or
any combination thereof will get you a live operator. I don't HAVE the account number...

Does the phone # you called give you the name of the bank? Maybe you could call a local branch and work from there. My husband had the same problem with his ex-wife's credit card. It was listed as a charge off on his credit report and after 2 years of disputing it with the seperate agencies (and only 1 of the 3 removing it)we finally called them. They sent a letter to us stating he was only an authorized user of the card and was not responsible for paying it back. We're preparing to send that to the credit reporting agencies in hopes of removal now.

Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.