I filed BK7 and was discharged several years ago. My wife did not file as the debts were not joint. My credit report reflects the filing and includes the notation "Included in Bankruptcy" on most, but not all, accounts which were included in the filing. My wife was an authorized user of some of these accounts. She was not responsible for any of them and she is not being asked to repay the amounts due. However, her credit report shows such accounts as "Charge-off," "Pays 91-120 Days," and "Collection Account." Some of these accounts are shown as "Open Accounts" with the credit limit displayed. The net result is that her credit report reflects a bunch of deliquencies that are not hers and credit limits for accounts which are closed. Does anyone have any suggestions on how to handle this "Authorized User" issue. Thank you.
