Adonis E Hoffman's Answers

Can I force a credit card company to remove entries on my credit report if I am ONLY an authorized user on the deliquent accnt ?

Under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, authorized users are not liable for the underlying debts of those individuals who have been extended credit by a credit grantor, and with whom a credit grantor has a contractual relationship. As an authorized user, you should contact each of the credit reporting bureaus to dispute the derogatory information being reported. You also should contact the creditor to inform it that you are not the debtor. If the matter persists,...

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