I am working on my husbands CR. CapOne is reporting 3 charge offs and listing him as an AU. They are my accounts, which I will address down the road. How should I approach dispute with CB's? That AU has no financial responsiablity or that he never authorized AU status, or both? Thanks for your help!
I am going through the same thing. Transunion got rid of mine right away-start with them. Equifax never reported mine and Experian is being a "Blank" about it. However that may be because the creditor I am dealing with is being difficult as well. Cap One may be different. If he is truely not an authorized user then a simple dispute addressing that fact should be sufficent. If he is an AU , then you will have to get him formally removed as one by the orginial creditor , get your report in a few weeks and make sure the account was removed as a result. If not, dispute him as <Not an AU> with the CB's. Cap one can be a jerk about it though because the Equal Credit Opportunity ACt says AU spouses should be on the Credit Reports. It is assumed that AU's are not finacially responsible so usually it will come back verfiyed if you try to dispute it with that line of reasoning. This may take a while, be patient and hope that Cap One will not fight the deletion.
