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[quote=Anonymous]My husband made me an authorized user on his credit card, and the balance now shows up on my credit report, too.  Luckily, I don’t have the balance issues, so it doesn’t affect my credit.  I tell you this to show that it is common, when you are an authorized user (you get your own credit card with your name on it), for the debt to appear on your record.

It is also possible that, if the credit cards are all owned by the same credit card company, that a request to make you an authorized user on one was misconstrued by the company, and you were accidentally made a user for all.

Whatever the proper terminology, you need to be able to use the credit card without receiving a card in your name (if that option exists), or you need a prepaid card.

Just let your employers know that all three cards have appeared on your credit report, and you want to know if they will take care of the removal, or if you should.  You don’t have to mention their maxed out balances - lie, if you need to, and say you were turned down for a personal card because you have too many open accounts - which belong to them.  Although, really, you should just say that the accounts are affecting your credit rating and you can no longer be an authorized user.[/quote]

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