Jaydar asked:
When I was fifteen, my mother gave me a credit card in my name that was connected to her credit account, to be used for emergencies. I used the card responsibly and she never had a problem with it.
When I was fifteen, my mother gave me a credit card in my name that was connected to her credit account, to be used for emergencies. I used the card responsibly and she never had a problem with it.
Without my knowledge, she built up $10,000 worth of debt, and then closed the account without paying it off. This now shows up as a bad mark on my credit report, even though I did not make the charges, never made payments, never signed consent, and did not have any connection between the card and my bank accounts. All the charges in question were made before I was 18. I have paid off all my personal credit cards on time and would have great credit if it weren’t for this debt.
Is there any way to have this removed from my report? Would a letter to the credit reporters be effective? I hate to sound ungrateful to my mother, but I’m worried this will hurt me when I take out loans in the future. Thanks!
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