How do I get credit card delinquent items removed from my reports when I was only AUTHORIZED user and not a joint holder?
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The accounts are CLOSED and the primary account holder is deceased. The deceased was not a spouse. I sent letters to the CRA's demanding removal on the grounds NOT MINE and I am not LIABLE for debt. Two of the CC and one CA have asked for payment from ME!!! Is'nt this illegal?
Here is something realy slimmy. One of the CC companies (top 5) sent the account to a CA and they even reported the item on MY report as a collection item. How can a CC be so stupid to think they can legaly collect from an AUTH USER?
I am certain neither the CC or CA know the primary has been deceased for 5+ years. But it should not matter.
Re: Re: CC items Have you considered providing the death certificate to the CC company? And a firm letter explaining the situation and that you are on to them? These companies do whatever is necessary to get paid. They don't care about what's right or wrong. It's like a guy in a bar trying to get laid. Yeah, it's crazy that he'd even come up to you and say, "Hey wanna #$#@$% me?," but that doesn't stop him. It's a numbers game. He knows that if he says it to enough women someone is going to say, "Okay!" Don't take it personally. It's just business. The CC is handling their business. Now you handle yours. __
Re: Re: CC items I don't want to give them any information about the primary account holder. Its not mine obligation to do so. If they think they are alive, then just demanding they remove me from the CRA reports should be enough. If they think the primary is dead or I tll them, they will surely have less desire to then remove me assuming they think I am stupid and thinking I have to pay the balance. Regardless, if I go out and apply for a mortgage and get rejected, as I will, can I just use this as proof of damage for them reporting a debt to the CRA's that is not mine? Can I also sue the CRA's for recording a debt that is not mine? It seems like a no brainer that if I am not legaly obkigated and no contract exist between me and the CC company, I should not be damaged in any way. Denial of mortgage credit is damage and will cost me significant more in fees and higher int charges. It seems I could easily go after the CRA's and CC companies for these damages along with trebble.....
Re: Re: CC items I think I am going to call up the CA and ask them how they can think that they can collect a debt from an auth user when THEY clearly know auth users are not legaly obligated to pay. What tactic can they use? There is noway they can go into court and get a judge to sign a judgement demand on an auth user. The judge knows the law. RIGHT?
Re: Re: CC items I guess reporting to the CRA is their only tactic. But is this not a clear illegal act?
Re: Re: CC items Question: The primary account holder died 5 years ago. Has this account ever been used since the date of death of the primary account holder? If not, there's nothing they can do to you
Re: Re: CC items Like I said, the CC's do not know the primary died. I am sure the account was inactive since.
