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How can I disassociate an address with a joint account holder?
Last August I authorized my credit to be used in order to open up a medical billing account for an ex-boyfriend.
It was a bad dental emergency and no one else would cosign. He had/has bad credit (and now is piggy backing off mine).
The account has to be paid off before next February or else interest will incrue.
I moved away and changed the address so that I would received the bill (temporarily staying with parents due to medical issues and don't trust him with the bill). Now we get at least 1 credit card offer a week in my ex's name.
How do I stop this? I mean its not good for credit card offers to be circulating around where you have no control over destroying them. If I had him change his address, then the bill would probably be forwarded as well. I don't want that. I guess I am just going to have to pay off the account and close it.
Both names are on the account and the account shows up in my credit report as debt.
2 Answers
- 1 decade agoFavorite Answer
One has nothing to do with another. I understand why you changed the address so the bill would show up to your parents' house, but unless your dentist's office is selling your name to marketers (which would make me reconsider that choice of dentist!), they are getting his name with your address some other way--is it possible he's using that address in some bcse he knows you're living there and wants to continue to piggyback on yr credit?
In any event, I don't think any credit card he signs up for now will impact YOUR credit unless you also co-sign that application (or you have any concern that he might fill it out "on your behalf").
To be careful, I'd call the big three credit authorization companies (equifax, experian and one other..can't remember the name right now) and ask them to put a freeze on authorizations with your account. That requires them to contact you whenever anyone checks your history in order to grant credit. Then you'll know if he's doing this to you.
Also, as a general matter, it's good to ask the same big three to let you "opt out" of receiving marketing materials--that means they can no longer sell your info to marketers looking for people with good credit.
Hope that helps. Good luck!
