What will happen?

[jennpickles]

What is the name of your state? Louisiana

On November 12, my husband will be filing for Chapter 7 in Missouri. Yesterday I printed a copy of my credit reports, and 2 of his accounts show on my report, because I am an authorized user. How exactly will this effect my credit once he files? What will it show for those 2 accounts on my credit reports?..Thanks.

 

[bigun]

Do the reports show you as an AU?

 

[jennpickles]

Yes, my credit report from 1 of the 3 bureaus shows me as an authorized user. I thought about having him call before he files and having me removed as an au that way they can't report anything on mine. Will that work?

 

[bigun]

Yeah, try and get yourself removed before filing. Hang on to that credit report that shows you as an AU forever. What about the other 2 reporting agencies?

 

[jennpickles]

It only shows on 2 of them. Do I want to hold onto that one just to prove that all I ever was was an authorized user?

 

[bigun]

Yep, that's the idea.