JK FOREST

I had a client who was listed as an authorized user on his mom’s credit card. (I have a mediation service).. anywho, she had filed bankruptcy and passed away at least 3 years prior to him and his wife coming to me.
Well, at the time they were trying to purchase a home and this debt (I believe it was GE), can’t recall was on his credit report, yet it belonged to his mom & she had filed against them in bankruptcy. Well, come to find out yes, he was responsible...

If you could clarify your post as obviously the scenario you have presented makes sense.
I would assume there has to be some sort of agreement that was made when the daughter was added to the account. People cannot be just added at random. Often in the legal mumbo jumbo that is explained (or mailed out that nobody ever reads) you find out...

I am sorry to say that you are misinformed. Be an authorized user makes no difference if you are married or not.
I work in the debt resolution field and know for a fact that what you say is incorrect after consulting and helping thousands of clients out of their debt situation....

Being an authorized user does not make you responsible for the card if you are not married to the card holder. Think about it this way. When I was 15 I was an authorized signer on my father’s credit card and no where on my credit report does it state...