My Spouse Opened A Credit Card In My Name

My ex-partner took out a credit card in my name used it and ran up a bill of 4000 I only discovered this after we seperatedI know have to repay this debt that I have been left with ive apporached my local constabulary they took a statement from me and I provided evidence as to the usage of the card whilst I was at work that proved it wasnt in my possession.

My spouse opened a credit card in my name. They will put a fraud alert on your name so no one can open more accounts without your permission. You may think that a credit card is just like a shared bank account but thats not true. Generally if you and your spouse are joint account holders on the credit card then you will be equally liable for the spending on the credit card. Have you not realised that you have received no post for four years.

However just because its possible that doesnt mean its legal. Opening a credit card in someone elses name is illegal even if its your spouse. Certain credit card issuers allow parents to put minor children on their accounts as secondary cardholders. Despite the increased occurrence of identity theft its still a jarring experience to learn that someone opened a credit card in your name.

That fact remains true even if it was your spouse not you who did all of the irresponsible spending. Primary and Secondary Cardholder Responsibilities. In short the answer is probably. My husband at the time opened a credit card in my name from a pre approval that came in my name only.

Anyone opening accounts in your name even your husband is definitely committing fraud despite what the credit card companies told you on the phone. You only have to tell one agency it will alert the other two. However additional cardholders are not responsible for the debt on the card. If someone has opened a credit card in your name without your permissionan example of identity theftthere are steps you must take to clear up the problem and restore your good credit.

On the divorce paperwork it states that she read more. Even if youre currently happily married it is generally considered unwise for you to utilize your spouses credit card that is in his or her name only if you arent listed as a user of the credit card. I work 12 hours a day full time she didnt work so i was getting post just not the post she was spending on. The fact that he was calling from your phone line doesnt change the fact that it wasnt you.

Co-signing on your spouses credit card will also make you liable for payments on that card. Identity theft is a difficult thing to deal with but it can be especially hard if you find that your spouse has opened accounts in your name without your permission. If you have your spouses financial information opening a credit card in his or her name is possible if the customer service representative allows it. If a third party applies for credit fraudulently in your name without your consent this is identity fraud.

While most people name spouses family members or significant others as secondary cardholders as the primary cardholder you can name anyone you want as long as the person is over age 18. Even if the credit card has been inactive and you do not owe a balance to the company it will still appear on the credit report. Years later I received a call at work from the. You often find out someone opened a credit card in your name because you get a statement in the mail for a credit card you didnt open find an unauthorized account on your credit report or notice that your credit scores have dropped because of a high.

Some couples do it anyway because most merchants assume that the cardholder gave permission to the spouse to use their card. This allows that person access to the credit card account so they can use the credit and credit limit in the same way the original cardholder can. If you need to contact the creditor their name and contact information appears on the report. When it comes to sharing a credit card with your spouse opening a joint card has more drawbacks than benefits argues Wilson Muscadin financial coach and founder at The Money Speakeasy a.

It is illegal for a spouse to open a credit card in his or her partners name. 1 Reporting the Fraud to the Card Issuer. This is one of the ways that a partner can commit financial infidelity and it can have a long lasting effect on your credit score and your relationship. If from month to month you carry a balance of 3000 on it youll have used 60 of.

This may come as a surprise to some but there is a simple explanation behind the criminal denotation. Many people will add spouses and partners to their credit cards as an additional cardholder. If your wife has been obtaining credit in your name without your knowledge you should contact the police. They will detail all credit cards you have in your name as well as the status of the account.

The Legality of Opening a Credit Card In short the answer is no. Contact one of the major credit bureaus Equifax Experian or TransUnion and tell them that credit cards have been opened in your name. A debt collector sent a summons to court for a credit card debt that is in both my and ex- wifes name. He added his name as a user on the account.