Posts Tagged "joint"

Roommate’s credit could be hurt if added to credit card account

Dear Experian,

I added my roommate onto my credit card and lost my job. I had difficulty paying it off and it was closed. Now, her credit has been affected. I didn’t even tell her that I added her, and she never used the card. What can I do to restore her credit?

– GNW

Experian will removed delinquent authorized user accounts on request

Dear Experian,

I am listed as an authorized user on two of my husband’s accounts, one of which was charged off, and the other is in collections. They are showing up on my credit report and negatively impacting me. How can I get these off my credit report?

– SHR

Authorized user account not appearing on the credit report

Dear Experian,

I checked my credit report online and saw that it says I have no credit cards. I am an authorized user on a card, and I pay the balance every month. Why doesn’t it appear on my report?

– MDM

Being removed as a cosigner from children’s student loans

Dear Experian,

I co-signed college loans for my children. They are now both out of school, working and re-paying the student loans on time with no delinquencies. I would like to remove my name as co-signer. Will this increase my credit score, and will it decrease their credit scores?

– PBK

Adding an authorized user to your account won’t hurt your credit scores

Dear Experian,

Will adding one or more authorized users (my husband and my daughter) to my credit card accounts affect me negatively? My daughter will not have a card to use; I only want to help establish her credit.

– AGF

Becoming a guarantor or joint account holder for son’s motorcycle loan

Dear Experian,

I want to help my son, a recent graduate, build good credit. He wants to buy a used motorcycle. I was willing to guarantee the personal loan, but the bank wants me to be a joint borrower. If I agree, it is not clear to me whether my son’s credit rating will improve as much as if I were just the guarantor. Which approach would produce the greatest benefit? Would being a joint borrower help my son’s credit score at all?

– HRC

An authorized user’s credit history does not affect your credit report

Dear Experian,

Does it affect my credit score if I have an authorized user on credit cards who does not have a good credit history? And likewise, does it help the credit score of someone with poor credit to be added as an authorized user (not joint applicant) for a card belonging to someone with a high credit score?

– BIJ

Divorce decree does not remove joint accounts from your credit history

Dear Experian,

I am legally divorced. My ex-husband re-married. We had a joint mortgage account. I have a divorce decree stating I am not liable for this account anymore, but this account is on my credit report. What do I do to get this account out of my credit report?

– JLH

Removing ex-spouse’s address from your credit report

Dear Experian,

I had you remove my ex-wife’s address from my report, and now it is back on there. I need to know why, and I would like it to be removed and to stay removed.

– RPR

Utility company may decline aplication to transfer account wife from husband

Dear Experian,

Why was I turned down when I asked to remove my husband’s name from our electric bill and place it in my name instead? The electric company told me to contact Experian to see why there was a “hold.”

– SRH

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