There is a charge off on my CR for $507 from this bank. It was charged off in 4/00. I have never had credit, so I got busy trying to find out what this was about. Turns out that it's under my bf's ssn. It is for an ACe credit repair kit that we never remeber signing up for, and that we never received. We both sent in a dispute to United Credit National Bank, (my 3rd dispute w/ them over this) and I'm also disputing w/ Equifax. Equifax told me that this is a shared account - not joint and that the difference was I wouldn't have had to sign for anything if it is a shared acct. My bf could have just put down my info (authorized user, I guess?). Anyway, I've sent a letter to the top guy at Household because UCNB was bought out by them. Heard right away from a rep from Household. She tried to help me, but my acct was one of those that UCNB kept. It has been 30 days so I decided to follow up w/ UCNB. The nice rep that was helping me was no longer taking calls since she was promoted. This dumb rep who had slight attitude basically said that in the notes that the supervisor took from one of my other calls, it said that I admitted that I knew about this and that I applied w/ my bf. B.S.!! I tried to explain that I never said that about THIS acct, but about another one that was lost or stolen which was removed from my CRs. They asked if my Bf disputed within 90 days from when the kit was sent out. We didn't since we knew nothing about this, and ofcourse, that would have been the only way for us to have this removed. She kept telling me to "hold on" (I think she was talking to her sup.) and I never got to explain EVERYTHING. Then she got an attitude and said "Why don't you file a police report if your BF used your name w/o you knowing about it? Because that's the only other way it's going to come off!". What a @!#$! Like I'm really gonna do that. HEllo - he's still my bf and he's not crooked like that! My quetion is: how do I go about this now? I don't want to take it to court or anything. Too much time and drama. Can anyone suggest anything? I considered going half on the charge w/ my bf to get it off my cr (that's my only negative), but why should we pay for something we never received or ordered ,at that! and I don't have $500 just to give to a bunch of crooks! PLease help!