An account named in my bankruptcy a year ago is showing up on my daughter's credit report. Can it be removed?

Question

My daughter was named (by me) as an authorized card holder on the account in question. I didn't think about this before I filed. I was granted the bankruptcy by the court. As for the account in question, I believed I alone was responsible as all billing was in my name only. But now that account is showing up on HER credit report. Is there something we can do to get this account removed from her credit report? If so, exactly what is the process?

Many thanks to you all....and thanks again iaminteresting and Studly. Very hard to "choose a best answer" as you both made it very clear regarding the question and the process. Thanks again to every one of you. This is not your everyday lightweight question. It was a quest for some serious information and you all helped !!

Answer 1

your daughter was responsible for payment as well as you were by being an authorized account holder

Answer 2

Iaminteresting is exactly correct.

I'm currently helping out someone with this same exact type of situation.

They opened an Old Navy account (one of those in-store promotion deals) and they added their daughter as an authorized user. Daughter was only 15.

The card was used only one time, for a charge of $20. It was paid off two weeks later, and never used again.

Couple years later they had some financial problems and had to file for Chapter 13.

The debt appeared on the daughters credit report (she is now 17) as a negative item. The reason listed: Closed by creditor

She is following my advice. Sent dispute letters to the credit reporting agencies, and demand to validate to the creditor.

If this debt is not removed, I fully intend to assist them with a small claims suit.

Ignore the obvious defense that a bankruptcy will cause negative items to be posted to credit reports. Please explain how an account that has no balance, and was paid immediately, now be considered a negative item? It's impossible! It can't be!

You need to take this advice and follow my instructions. Contact me if you need help.

Note that I am not a lawyer or credit counsoler, just someone who has been down this route and have helped many others deal with creditors.

Answer 3

First you should get a copy of her credits reports (all 3 of them) After that write a letter of dispute to each of the credit report companies that claims that she owes the money and explain to them that it was not her account but just an authorized user. They have 30 days to investigate the case and get back to you. If they find out that it is not her account then they will delete it from her report. Hope that helps.

Answer 4

All of the answers before this are INCORRECT.

IF your daughter was only an authorized user; she is NOT responsible for the account in any way, shape or form.

You can simply call the creditor, better yet, your daughter can call and tell them that she is only an authorized user (not joint) and she wants it off her credit report.

Legally speaking, they MUST comply.


If they do not, you can sue them.

It is all in the Fair Credit Reporting Act; follow this link and learn more:
http://www.expert-credit-advice.com/fair_credit_reporting_act.htm


Browse through this site, there are about 1000 pages of solid information about credit, debt, loans, and consumer information!!!

Answer 5

You should write a letter to the credit report agency in your area and explain to them about the situation. They will be happy to correct the credit report for you.