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All right let's go to Cindy in Nashville hi Cindy -- -- you'll.
I can it dated a car that they leave you -- -- open your world.
Well -- -- I'm absolutely completely get curry haven't I have.
Yeah have they had no car anything while good for you know credit cards for good for -- -- In a situation that got someone -- to purchase the home yeah.
I'm but I have recently gotten divorced and actually got two years now and I have been looking into buying a home -- Well I -- when -- being people that I am going through to get the homeland they pulled up my credit score card and credit account and they found that I am -- -- -- -- error of four out of my -- has immense credit card when you.
Yes but some beer -- that -- -- to back up a little bit he came home Monday he said look here's what I've got -- any hand me for credit card.
Act like -- well did you sign him.
No I did not then you're not a -- heart.
Well Keith I'll heat owner -- -- -- but he put me on his application.
As and they.
And authorized user I was you know authorized user is not liable for the -- it doesn't need to be on your credit bureau I would challenge that.
I exactly and I have been challenging yet now for a while.
And they -- they have denied me anything I have a trying to get home -- Yeah -- and you how -- you challenges you write the credit bureau and say I'm not.
I'm not liable on this account remove me from -- this is an inaccurate entry.
And they set out credible get -- that in Kara I had him actually call to get it taking care within a minute that the -- -- I hear.
So lack all the credit card companies now they say I'm sorry I can give you any correlation you're not on the -- that I know.
Therefore why are you not reporting this to credit bureau in saying that I'm not on -- -- Because -- still showing how much credit report about an -- as you -- and they are you to and that again to me what I'm trying to get my homework.
Now it shouldn't be used against you because you're not liable for the death itself if the credit card company is showing the account as not having your name on -- then and they haven't yet reported that to the credit bureau if you challenger with a credit bureau again -- credit bureau has thirty days.
To prove that you're on the account or remove the entry if they don't by federal -- all -- violation for -- the Federal Trade Commission even bring suit against them.
And and so I would be hammering this really really hard it's very important get these things off also may be important that you look to a different mortgage company who can get past.
The credit score issue the cause the score I artificially brought down.
Exactly the court and that and what's happening is -- the kooky -- cards maxed out.
They're saying it may not -- -- he's paying the -- Doesn't matter -- me none of this matter all that matters is not on the account.
We're trying to and -- need your help your brokerage or nominee came -- I mean you're not probably more than -- reliable.
You don't need to be on my -- either.
Yeah you know I mean and so you just -- the problem is you're not dealing with intelligent life at the credit bureau and you're not dealing with intelligent life.
At the -- at the bank where the credit card companies are.
And apparently -- mortgage company and ends far enough from the work around this.
What I explained in the but look I have that they they blame they get.
I got off.
A -- absolutely well I think it's very very important that you do that and and if -- mortgage company can't get -- it was Churchill mortgage.
My card -- in the team at Churchill would have endorsed from radio show for like 141516.
They that think they can probably do -- work around or help you with this but you need that with certified mail return receipt requested.
Challenge each one of these separate -- so for separate letters.
For 4 separate accounts I am not an authorized user on these accounts I am not liable in any way even if I was -- authorized user court reporting me.
On this account and remove this from our bureau if you do not I'm going to file suit.
And just get all -- -- -- a tough tough flatter according to the federal fair credit reporting act.
They have thirty days to remove errors.
Or prove that -- not an -- want the truth and you lenient on senate certified mail registered -- you've got proof of delivery you'll start to see some changes hopefully.
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