Dh had an account with a cc, that was opened PRIOR to marriage AND stated on the application he was single. This account became a charge-off and eventually went into collections. I was never made an authorized user of the card, nor have I had any accounts with the creditor. Well, I have four hard inq's from the creditor and I am sure it is because of DH's account. I live in a community propery state, but since DH opened this account while we were single, PVN could not have made me liable for this account in any way, yet they pulled my reports on TU, EQ, and EXP. Can they do this?
Well that's a good question! Wish I knew the answer But, why not send them a no pp letter, tell them YOU have not applied for credit with them, YOU do not have credit with them, YOU do not owe them money, but now THEY owe you $$$.
