My husband had a Target card back around 2000 (before we got married), made me an authorized user in and due to some payments being held for up to two weeks before being applied and fees added, he told them to stick it and closed the account. Well, they tacked on fees after that, well, whatever.
I checked my credit reports back in June and noticed that they had changed me from "authorized user" to "joint cardholder". I have never been a joint cardholder and disputed this with the CRAs. Not only did it come back "verified", but not only was I "promoted" to joint cardholder, the date of last activity now reads 7, where the month before, it read 11/04. And lo and behold, there is a mystery $50 payment now showing made in June, on both my credit report and my husband's.
I sent them a letter and faxed it as well, demanding proof of this $50 payment with no response. I faxed them yesterday proof that they have re-aged this account twice and are reporting it as:
1. Date closed 8/05, DLA 9; joint
2. Open, DLA 11;
3. Reported since 7, joint, 120 past due; recent payment $50;
4. Reported since 6, joint, recent payment 0;
5. Date closed 7, DLA 9, "account participant";
6. DLA 7, date of last payment, 9/07.
These various scenarios are within a 15 day period!!! And now on all three CRAs, the account is noted "special handling, contact subscriber."
I am great with junk debt buyers, but just what do I do about this? I can't get a response from them and before I turn this over to an attorney, seeking any advice I can get as far as what options I have.
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