Announcement

Collapse

Forum Rules (Everyone Must Read!!!) (updated: 04/28/2015)

Welcome to the Bankruptcy Forum. Bankruptcy (BK) Forum is known as BKForum.com and will be referred to as BKF hereinafter. In order to ensure a long term success of our vibrant community, we have established certain rules and guidelines to which everyone must adhere to. Please take your time to carefully read our rules, before you start to participate in the community.

Things you agree to do:
BKFORUM.com (BKF) users agree to use the search function before starting a new thread. This prevents duplicate discussions and allows for better organized topics.

All BKF users agree to read the sticky posts which may be available at the top of a forum page. These Sticky posts often contain valuable information. They may also outline more rules and guidelines specific for that particular forum, stickies are put in place by that forums moderator(s) or admin(s).

Things you agree not to do:

All BKF users agree not to call people names or write a post simply to make a personal attack, or get a negative reaction; this behavior is not allowed on our forum. The use of derogatory language aimed at anyone will be severely dealt with. There is no need to agree with each other, or to even like each other. However, by signing onto BKForum.com you agree to treat each member and guest with the respect they deserve. No threats or personal attacks will be allowed.

All BKF users agree not to discuss, engage, or encourage any behavior or activity which violates the law. Discussion of drugs, violence, murder, theft, vandalism, fraud or any other issue which could be used to help individuals break the law is strictly forbidden.

All BKF users agree not to "bump" old threads, unless there is a specific benefit to the community by doing so. But in most cases, please don't post in very old threads, instead start new threads.

All BKF users agree not to attempt/use another members account. It is against BKF rules to use any account other than your own. Impersonating another member will result in an immediate ban. It is also against the rules to open more than one account in your own name without permission from a moderator or administrator. If you have been banned for any reason, it is against the rules to open another account. If you were banned temporarily and you are caught using another account you will be banned permanently. Choosing a moniker which is similar in either sound or spelling as a moderator or administrator is strictly forbidden.

All BKF users agree not to private message any moderator, admin, or other member with questions related to their personal circumstances (Questions about the forum or issues with the forum are ok). This forum only works when members share their experience and insights with everyone.

Things you agree not to post:
All BKF users agree not to post any derogatory/racist/or sexist remarks. This includes attachments, links and all information contained within posts, signatures, and avatars, failure to comply with this rule will result in a permanent ban.

All BKF users agree not to post any copyrighted or trademarked information without the express written permission of the owner(s) / proper citation of source.

All BKF users agree not to post any real names, addresses, telephone numbers, email addresses, social security numbers, or any other personal details (their own or other people's).

All BKF users agree not to post links, pictures, attachments, videos, or the like of pornographic content, objectionable material or extreme violence, whether cartoon or real.

All BKF users agree not to use BKF for advertising purposes without a written contract between yourself/company/agent and the administration of BKF. Blatant advertising will result in a ban.

All BKF users agree not to spam the forums. Spam includes but is not limited to posting erroneous, non-relevant-useless, off-topic, or meaningless posts. Spam may also include posts which contain no text, or large areas of blank space between lines. Simply posting emoticons without text is considered spam. BKF is the largest bankruptcy message board and all the content is intended to help other users. Please help us improve the quality of our forum by making sure that your posts are well-worded, spell checked, grammatically correct and syntaxed.

Regarding actions of moderators and administrators:

The forum is no place to air out your opinion or be judgmental of our staff and its capabilities.

All BKF users agree not to abuse or mistreat moderators or administrators. It is against BKF rules to post any information regarding bans or any other action taken by a member of the moderating or administrative team. If you wish to discuss bans or warnings please do so via PM. To place a complaint against a moderator, send a PM to a super moderator. All Moderators are equal, any decision made by a moderator must be adhered to. If a moderator tells you something you do not like, do not go to another moderator looking for a different answer. If you are caught doing this you will be banned. The moderators work as a team and respect the decisions made by their peers and will help enforce them unless an administrator tells them differently.
If you have an issue with how the forum is run, then notify one of our administrator and we will look into the situation. We have in the past and still do appreciate any input that you offer this forum. But critical input and/or judgmental postings towards the staff will result in you getting banned.


Should you find a thread offensive or out of line, then notify a Mod in a PM so they can evaluate the situation and do the action deemed necessary.

All moderators do have active "other" lives outside of the forum and help moderate this forum in their spare time throughout the days and weeks.

If you have a problem with a member or Mod follow the proper channels of reporting it.

BKF reserves the right to delete any posts which contain anti-BKF comments or discussion. Any bashing of moderators or administrators, or any of their discussion or actions will also be deleted, and the responsible posting party(s) will be banned. Any public anti-BKF advertising, communication, or posts on another forum will result in permanent bans as well.

All warnings and bans are decided by individual moderators and administrators. Warnings are preferable to bans however, for serious offenses and repeat abusers bans will go into effect. The length of the bans can vary from several hours to permanent.

All messages posted or sent including through PM are the property of BKforum.com.

All BKF users agree not to advertiser on the forum (Niether by posting, private messaging or using your signature). If you are a company/attorney/legal adviser wishing to advertise on the site or sell a product, you must contact the head administrator and inquire about our advertising packages.

All bankruptcy related opinions expressed on BKForum.com are those of their authors and not necessarily of BKF, its staff or representatives.

You agree not to copy any material/post/content from BKF without written permission from our head administrator .

By posting on this forum you agree to these terms and conditions, including any punishment deemed appropriate by moderators or administrators in the event of an offense.

Administrators/Moderators can change these rules at any time without prior notice.
See more
See less

authorized user on credit card???? chapter 7

Collapse
X
  • Filter
  • Time
  • Show
Clear All
new posts

  • authorized user on credit card???? chapter 7

    Today we met with our attorney to sign our paperwork, he is submitting our Ch 7 this week. One question that he had a hard time answering was about a credit card from Chase. I was an authorized user on my parents card up until about a month ago when they took me off on the advice of our attorney. My husband never was a user on that card. The issue is that card belongs to my parents and it is showing up on my credit report. I checked again today. The numbers on the 3 cards are exactly the same. As I said I was just a user. It is not listed on the bankruptcy forms as they want to keep their card, their airline miles, and the card is paid in full every month. What can we/they expect with this card? Are they going to lose their miles, thier perfect credit etc?

    thanks!
    chrissy

  • #2
    Originally posted by chrissy92972 View Post
    Today we met with our attorney to sign our paperwork, he is submitting our Ch 7 this week. One question that he had a hard time answering was about a credit card from Chase. I was an authorized user on my parents card up until about a month ago when they took me off on the advice of our attorney. My husband never was a user on that card. The issue is that card belongs to my parents and it is showing up on my credit report. I checked again today. The numbers on the 3 cards are exactly the same. As I said I was just a user. It is not listed on the bankruptcy forms as they want to keep their card, their airline miles, and the card is paid in full every month. What can we/they expect with this card? Are they going to lose their miles, thier perfect credit etc?

    thanks!
    chrissy
    nope
    card doesn't belong to u
    Filed chapter 7 on 9/17 341 on 10/20
    Chapter 7 Trustee's Report of No Distribution on 10/21
    Discharged and Case Closed on 12/21/2010

    Comment


    • #3
      I actually did a dispute to the credit agencies just the other day, after pulling my husband off my cards as an authorized user, within two days these disappeared off of his credit report.
      Hired Attorney 8/28/10 Filed Chapter 7 11/08/10 341 12/14/2010 Report of NO DISTRIBUTION 12/15/2010 Waiting for February 14 2011, date objections due.
      DISCHARGED and CLOSED 2/15/2011

      Comment


      • #4
        thank you for your help, I feel better about it.

        Comment


        • #5
          Dittos here. I was an authorized user on 4 of my wife's cards. When we were planning our CH7, we called to remove me from all 4. Three of the 4 dropped off the next month, the 4th I had to file an online dispute and it was then removed. The good thing about it - my credit file doesn't show the late payments or the BK'd acct. now.

          -AA
          Stopped paying CCs 1/10 | Stopped paying mortgages 2/10 | Interviewed attorneys 3/10-5/10 | Retained attorney 5/14/10 | Delivered paperwork to attorney 6/17/10 | Filed Ch7 7/9/10 | 341 8/16/10 | Objection Deadline 10/15/10 | DISCHARGED 10/20/10

          Comment


          • #6
            My husband is an authorized user on two of my cards which I haven't removed him from because I was initially told it wouldn't affect him since he's not the owner of the account.

            When I file BK, hopefully and likely Chapter 7, are we going to have an issue with anything showing up on his credit report and if so, what do I do? I think Amex and Citi told me long ago that they only report on me to the credit bureau, not him.

            Comment


            • #7
              Well the ones my husband was on as an authorized user sure were showing up on his credit report, and they showed right at the top with the notation that they could be a negative factor. We have fraud alerts on his credit files due to some issues from this last year, so every time something new pops up we get an email. I disputed Chase on equifax first, the very next day it was popping up on transunion as a new account for him, so I disputed that as well and it was pulled the next day.

              We are not filing until Nov 9th, so I am trying to be proactive and calling these companies to remove my husband as an authorized user before they close access to me and I may have a harder time getting things done at that point.

              I was able to remove my husband as an authorized user at BOA credit card online with a chat session, Chase I emailed from within my account, told them I knew I was behind but needed to remove my husband, they responded that this would not affect my husbands credit reports, but they would remove him, and that was when that particular file showed up on transunion as a negative, but like I said it was easily taken care of then with a dispute to transunion.

              I am a coward and hate talking to them on the phone so this made my stress level a bit easier.
              Hired Attorney 8/28/10 Filed Chapter 7 11/08/10 341 12/14/2010 Report of NO DISTRIBUTION 12/15/2010 Waiting for February 14 2011, date objections due.
              DISCHARGED and CLOSED 2/15/2011

              Comment


              • #8
                I've read where it's not a good idea to alert these companies to anything. I didn't remove my husband as an authorized user because I felt that would raise a red flag in many ways and they'd know something was up. Of course when I missed the first payment they'd know something was up!

                *Should I go online* and send an email to remove my husband as an authorized user? (If I can still get in which I should.)
                Since I've missed payments, wouldn't that possibly prompt them to possibly speed up something like those judgements? (As one forum member said he received something after immediately after 90 days from one card company.)

                This is Citi and Amex. (About three months ago I *didn't* call in to activate his new Amex card but Citi is still active.)

                What should I do? And, although I'm an authorized user on his BofA card and they told me that it wouldn't affect him, should I go ahead and call BofA and ask them to remove me now? I suppose so, eh?

                Comment


                • #9
                  I only did this now as we are so close to filing, my accounts were already behind by two months. I am on my husbands Amex as an authorized user as well, which is our biggest creditor so I am steering really clear of them until we file, plus I read things are more complicated with them. I don't have citi card. I did tell chase online that I knew I was behind and it was showing up on my husbands credit report, and while I was working on getting things taken care of, I did not want this to affect him. They were much kinder online, than the daily calls I was getting from their collectors.

                  I just figured it may help clean things up a little easier after we are done with everything, leaving a few less cards on each of our credit reports to deal with.
                  Hired Attorney 8/28/10 Filed Chapter 7 11/08/10 341 12/14/2010 Report of NO DISTRIBUTION 12/15/2010 Waiting for February 14 2011, date objections due.
                  DISCHARGED and CLOSED 2/15/2011

                  Comment


                  • #10
                    If I was to send msg online, I'd thought of telling the two of them that *I was working on it* just so that I could request he be removed. Ugh....I don't know what to do now but I'm not going to make a decision on that immediately. I can't file until Dec so maybe I can wait. But I do need to call BofA for his acct.

                    This is going to be churning in my mind now.

                    Comment


                    • #11
                      If you are including a card in your chapter 7 filing that your husband is an authorized user on, then the "included in bankruptcy" notation will show up on his report. He will have to dispute it off his reports. Since he is not the owner of the card, that will not be an issue.
                      You can't take a picture of this. It's already gone. ~~Nate, Six Feet Under

                      Comment


                      • #12
                        I take it that it's not that hard of a thing to do to get that "included in bankruptcy" off? You know what? I think that Citi and Amex both told me that it's only me that's reported to the credit bureau (during the period that I wasn't late, of course) and they don't report anything of him since he's not signed the contract in the beginning, only me as *owner.* Is that possible. Why do they need to put that on his record just to have to request it removed?

                        And it would be removed by requesting, right?

                        Comment


                        • #13
                          Originally posted by platter View Post
                          I take it that it's not that hard of a thing to do to get that "included in bankruptcy" off? You know what? I think that Citi and Amex both told me that it's only me that's reported to the credit bureau (during the period that I wasn't late, of course) and they don't report anything of him since he's not signed the contract in the beginning, only me as *owner.* Is that possible. Why do they need to put that on his record just to have to request it removed?

                          And it would be removed by requesting, right?
                          The status of the card is reported for all adult authorized users of the cards. It can be disputed off as "not mine" and the credit bureaus will remove it. Sometimes ymmv since credit bureaus often don't remove things on the first request. It would be easier to remove him from your card first and then have him dispute it.
                          You can't take a picture of this. It's already gone. ~~Nate, Six Feet Under

                          Comment


                          • #14
                            Hi all,

                            Couple thoughts:

                            Never underestimate the ability of credit reporting bureaus to get things screwed up. If at first you don't succeed, use letters and keep trying.

                            If you are in a community property state, removing the authorized user for spouse is uneccessary. The debt is discharged for the community, including spouse.

                            Good luck all!

                            Tom in Colo
                            Ch7 filed 5/12/2010.....341 meeting 6/30/2010....report of no distribution 8/15/2010.....discharged 10/01/2010.....closed 11/09/2010

                            Comment


                            • #15
                              There are two different issues in this thread. The OP refers to being an AU on parents CC. That shouldn't be an issue at all, and the OPs filing should not affect the card.

                              Platter's situation is different. In that case, you want to get the AU user off the account prior to filing. There has been a lot of controversy regarding authorized user accounts in the scoring models. When you are married...it's different. They can report and the information can be used in the score. Although it won't be a legal issue, and the AU can dispute and have it removed, if another creditor pulls their report and sees late payments, IIB, or a drop in credit score, they could close the account and cause further score damage.

                              This link has more info.

                              http://www.bankrate.com/finance/cred...ccounts-1.aspx
                              Last edited by SunshineGal; 10-28-2010, 09:14 AM. Reason: added info

                              Comment

                              Unconfigured Ad Widget

                              Collapse
                              Working...
                              X