In 1989 I opened a sears credit account for my personal use. On the advice of Sears' sales clerk I added my husband's name as an authorized user, without his signature or authorization.
This account was used and paid solely by me. My husband had no knowledge of it until I had to file bankruptcy due to health problems in 1997. I claimed this account in my bankruptcy. Sears did not notify me, my husband or the courts that they took exception to this account being mine.
When my husband bought a car in 1999, he discovered that this account had been put on his credit in 1997 as a charged off account. This would have been about the time that Sears had received notification of my bankruptcy claim. We immediately contacted Sears and tried to resolve the problem and have this removed from Joe's credit. They refused our offer to pay it off and all other avenues of settlement.
We have been calling all depts. Of Sears credit for the past 3 years. We are always treated rudely and jerked around from one person to another. Each person tells us something different and we never hear the same thing twice. We requested a copy of the original contract via registered mail.
We received a signed receipt for the letter, but no contract. After sending all this information to the NC attorney general, we received a copy af the reply that Sears sent them stating: This account was opened Nov. 1989 in the name of John doe as the primary accountholder and Jane doe as an authorized buyer. Due to the age of this account, an application is no longer available. This account was not in dispute until Mrs Doe filed bankruptcy.
Sears also claims this account was listed on mr Doe's credit from 1989. If this is true, why was it not reported to us when we apllied for credit in 1998???
How can Sears continue to report this on Joe's credit if they can not furnish proof (original application or contract) showing that he signed the application??? Are we as consumers not believed against big business? By the way, this is the only negative thing that has ever been on his credit. Please help if you can.
Thanks,
Andrea
Ocean Isle, North Carolina
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