- April 11, 2024
- Posted by: legaleseblogger
- Category: Related News
Try Free Now: Legalese tool without registration
## Situation Analysis
I am currently in a state of panic and anxiety as I recently discovered an open Capital One credit card in my name with a limit of $32,000 and a balance of $18,828.00. The account was supposedly opened in 2012, when I was just a kid and definitely not old enough to apply for a credit card. This has caused me great distress as I cannot comprehend how this could have happened. The charges on the account are all from February 2024, which adds to the confusion and concern.
## How AI Legalese Decoder Can Help
AI Legalese Decoder can assist in deciphering the complex legal language and terms associated with credit reports and financial documents. By utilizing this tool, you can better understand the implications of being listed as an authorized user on an account, as was the case with the Capital One card. This will empower you to take appropriate action and seek clarification or resolution from the relevant parties.
## Response and Resolution
Upon further investigation, it was revealed that I had been listed as an authorized user on the account, but it was not my parents who had added me. Instead, it was my boyfriend’s parents who had included me. This information helped clarify the situation, and steps are being taken to rectify any discrepancies and ensure that the issue is resolved promptly.
In conclusion, by leveraging the capabilities of AI Legalese Decoder, you can gain a better understanding of legal documents and financial matters, leading to informed decision-making and resolution of potential discrepancies or errors in your credit report.
Try Free Now: Legalese tool without registration
**Original Content:**
AI Legalese Decoder is a revolutionary new tool that helps lawyers and legal professionals decode complicated legal jargon and language. By using artificial intelligence, the AI Legalese Decoder can quickly and accurately translate legal documents and agreements into plain, easy-to-understand language. This can save lawyers and their clients valuable time and money by cutting down on the time it takes to decipher complex legal terms.
AI Legalese Decoder relies on machine learning algorithms to analyze and interpret legal text, providing users with accurate translations and summaries of legal documents. By streamlining the process of understanding legal language, the AI Legalese Decoder allows lawyers to focus on more important aspects of their cases while ensuring that their clients can fully comprehend the contents of their legal documents.
**Augmented Content with AI Legalese Decoder:**
**How AI Legalese Decoder Can Revolutionize the Legal Industry**
AI Legalese Decoder is a groundbreaking tool that has the capability to transform the way lawyers and legal professionals navigate complex legal language. By harnessing the power of artificial intelligence, the AI Legalese Decoder can efficiently decode intricate legal jargon and language, providing users with accurate and easily understandable translations of legal documents.
One of the key advantages of using the AI Legalese Decoder is its ability to significantly reduce the time and effort required to decipher complex legal terms. The advanced machine learning algorithms employed by the AI Legalese Decoder enable it to analyze and interpret legal text quickly and accurately, empowering users to access clear and concise summaries of legal documents in a fraction of the time it would take to do so manually.
Furthermore, the AI Legalese Decoder enables lawyers to streamline their workflows and allocate more time to crucial aspects of their cases. By simplifying the process of understanding legal language, lawyers can focus on providing high-quality legal services to their clients while ensuring that all parties fully comprehend the contents of their legal documents.
In conclusion, the AI Legalese Decoder offers a game-changing solution for lawyers and legal professionals seeking to enhance their efficiency and productivity. By leveraging artificial intelligence technology, the AI Legalese Decoder proves to be an invaluable tool for simplifying the complexities of legal language and promoting better communication within the legal industry. With its ability to decode legal documents accurately and efficiently, the AI Legalese Decoder is set to revolutionize the legal landscape.
Ask your parents if they added you as an authorized user on a card. Maybe they had that card for emergencies and they just started using it.
Did your parents add you as an authorized user on any of their cards?
When you look at a card on Credit Karma, scroll down to where it says “Responsibility.”
Does this say Primary/Individual or Authorized User?
>Just wasn’t my parents who did it. It ended up being my boyfriend’s parents.
Follow up question. Why would they do that? Did they think they were doing you a favor that you didnt even know about?
If you were young in 2012 it is possible a parent or guardian opened the card in your name?
I will take this moment to remind EVERYONE to freeze your credit with all three bureaus. Yes, it’s a hassle, but it’ll potentially save you massive headaches like this. If you need to apply for credit, you can thaw them within a few minutes and then let them refreeze automatically.
OK so reading through the replies, first things first. Credit Karma are not reliable. Go to [annualcreditreport.com](https://annualcreditreport.com) this is the ONLY authorized site for your credit score. Get your reports for all three bureaus.
While you are in there lock your credit on all three bureaus. This is good practice anyway, everyone should have their credit locked 24x7x365.
If the card still shows up, contact the card issuer and report that you have been added as an authorized used but did not give permission. They will remove you. If for some reason they don’t then you can dispute it with your credit bureaus but typically you don’t need to do that, you just call the card company and tell them you never gave permission for you to be added.
Just a friendly reminder to everyone.
It’s easy to freeze your credit at all 3 bureaus and only temporarily unfreeze them whenever you need to do something legitimate. (Such as buying a house, opening a credit card, or getting a loan).
You can even schedule an unfreeze/refreeze all at once.
anecdotal story: I’ve forgotten to unfreeze when I applied for a CreditCard once, and it came back with weird error. I realized I forgot to unfreeze, I went and scheduled a 2 week unfreeze, then called CC and they approved it right on the phone and mailed me the CC. No issues, they said it got put into a temporarily hold until I unfroze. So plenty of places can gracefully handle accidental bumps into ‘frozen credit’.
It adds TONS of protections for very little effort and its 100% free.
(Note: Some of them try to upsell you into other credit “things”, you do not have to pay to freeze/unfreeze. If you are seeing paid things, that’s not what I’m talking about. However, It USED to cost money prior to September 21, 2018. But the federal government passed a law stating that it had to be free and has been free since September 21, 2018. I believe they did this because the rising number of major data breaches.
* https://www.equifax.com/
* https://www.experian.com/
* https://www.transunion.com/
Next up OP discovers a strange account called 529 where a mysterious benefactor has deposited money for the last 18 years …
Your boyfriends parents put you on their account?
Now I have more questions- why would your bf’s parents put you as an authorized user without telling you??
Don’t ignore this. Get your free credit report from each of the agencies. If it’s there, submit a dispute asap!
Ask your parents if the made you an authorized user on their card
Also freeze your credit. It’s free and only takes a few minutes.
I’ll bet your parents added you as an authorized user at some point and never removed you. The good news is that you can call Capital One and remove yourself from the account and it will have no lasting effects: It will disappear like it was never on your credit report in the first place.
The same thing happened to me when I first checked my credit report: I saw an unfamiliar credit card that was opened in 1980. I was born in 1979. Turns out they never removed me as an AU from when I had a card working for the family business in my 20s.
Oh, on a side note, don’t pay much attention to the credit scores you get from Credit Karma, they use VantageScore which very few lenders use so it’s mostly irrelevant. You want to check your FICO 8 scores which the large majority of lenders use.
Credit Karma is also not very good at identifying people. I went through this with my partner who signed up but has a really common name. So CK showed about a dozen extra accounts that weren’t hers. We freaked out for a bit before we figured out that was going on.
Run an actual credit report from just one of the agencies directly, see if that account still shows up. If it doesn’t, run the other two to be sure. If it does, get it removed and use the other two agencies to confirm it’s been wiped.
Everyone go freeze your credit at all three credit agencies.
Glad you found out what it is.
it’s important that you freeze your credit report with all three agencies. It takes about five minutes per site, is totally free, and will prevent any new accounts being opened or added without your express permission.
There’s absolutely no reason to not have your credit report, because you can unfreeze them if you need to apply for something within a minute or two.
Wtf, your current or then boyfriends parents authorized you to use their card 12 years ago when you were a minor? Maybe they thought they were doing you a favor but that’s pretty weird.
Don’t panic. Report the fraud to the credit agencies. It’s not a big deal
based on many horror stories here, there is a better than equal chance one of your parents took out this card in your name.
Your boyfriend’s parents shouldn’t be opening credit cards in your name. That’s a Big red flag
Curious, Did you come to reddit before doing anything about this yourself?
Ask your parents why they have 18k on a credit card..