I bumped into my ex-spouse the other day; we were divorced in the year 1988. He was telling me about an entity unknown to him called HSBC which had scarred his otherwise good credit reports. I had never heard of this HSBC, neither. What they did was put an old account of mine from the early '90's (we were DIVORCED in 1988) under his name and taken upon themselves to write him up as an authorized user.
When I filed for bankrupcty on over $300,000 (second bankruptcy on medical with my disabilities) I threw in the the crumbs off the kitchen sink, too. Seems this HSBC had just 'though it up' that my ex-spouse should be an authorized user and listed it on his reports (which I later saw) to the three purveyors of falsified 'keeps of dissimenation'. The credit bureaus showed it as the one and only "charge off", on his credit reports. Now I don't care if they show it forever on me credit reports, for I'll always have catastrophic medical with creditors corked from hounding me with every mega-thousand in bankruptcies I'll be filing for medical. But both of us were in shock the 'keepers' could arbitrarily assign this bad, reinvented (was a small department store charge of mine from early 90's) even though I called HSBC and they told me it went into my personal bankruptcy in 1995. And there was not one objection to my bankruptcy by anyone. How could they with me being on public aid because of one of those lifelong impoverishing disabilities?
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