I am in the process if buying m first home with a FICO of 630 and one of my conditions on the loan was that my credit score couldn’t drop between now and when they run my credit again Nov. 14th. However the other day I had to do an emergency prescription run at the Wal-mart pharmacy and all I had on me was my wifes wal-mart card. I couldn’t use it because my name is not on the account so they called my wife to see if I could use it. Well they ended up adding me as an authoried user and I didn’t know it until tis morning when I pulled my report and saw the account and my score had dropped to 561. How can they do this without my social and is there anyway I can fix my score before Nov. 14th or get this deleted?
Ok my wife took me off the account and paid the balance down to {content}. They don’t report the balances to the credit bureaus until Oct. 29th, will it refect a {content} balance on my credit report even though I am not a user?
I was able to call all three credit agencies and get it deleted off my account my credit score is back up to where it was before I was added to the account. How does it not affect my score if my score went down 65 points and went back up after deleted?
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Yes it is legal and possible, they don’t need your SS for that, if you don’t like the account in your credit call walmart to tell them that you are not a AU for the account, tell your wife to write them a letter too and dispute it with the credit bureaus. It can be done in 15 to 30 days