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    Mimmlybimmly's Avatar
    Mimmlybimmly Posts: 1, Reputation: 1
    New Member

    Jun 20, 2007, 03:00 AM
    My brother's credit debt harming my credit score!
    Just some background information- my brother has many, many debts. (he is a lawyer that just never succeeded and has no real work ethic)
    So he uses my father's credit cards, pays the minimum amount every month, and he basically lives off my father's credit cards for all of his expenses. My brother does not have enough credit to get anything, so he uses my father's credit. Well I just found out that my name/social security number is on 2 of the credit cards that my brother has enormous outstanding balances with.
    When I was younger, my father put every member of my immediate family's social security numbers on these cards, which now are in bad condition. I was put on these cards when I was a minor and I have never charged anything to these accounts. I didn't even know about these accounts until yesterday.
    Is there a way that I can remove myself from these cards? I REALLY don't want to be penalized for this. And since there is about $50,000 in debt and growing, I don't see this ending anytime soon. Do I have a way out from something that happened when I was a minor and completely unaware? My father is choosing to help my brother; I just got stuck in the middle and now I'm suffering the consequences. Can someone help me and tell me what to do? I'll do anything to get out of this situation; even if it means legal proceedings.
    tickle's Avatar
    tickle Posts: 23,796, Reputation: 2674

    Jun 20, 2007, 03:50 AM
    The only way your name can come off your dad's credit cards (as a secondary user) is for your dad to remove your name. The credit card companies can legally come after you for the debt because you are listed that way. I got my son one of my credit cards when he was going to school and he paid back what he used, I then cancelled his card when he got a job so that he could never be held responsible should something happen to my credit.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692

    Jun 20, 2007, 05:04 AM
    You dad must demand he not use the cards, if your name or any family members name were added to the card without your permission, you file fraud charges againt them, and notify the credit card company at once.

    Your DAD has to stop him from using these cards and if he does without your dads permission, then charge him with theft.

    Your brother is only part of the issue, your dad allowing this is the actual problem. Talk to your dad.

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