Okay long story short my mother in law apparently opened a credit card account in my fiancé’s name.

About a year ago she handed him a credit card (without me being present she made a point to give it to him when he was alone) and said it was through her and for emergencies

Okay cool we thought we were just an authorized user.

Well apparently it’s tied to his credit and she’s been using it and it’s sabotaging his credit!!

We already asked her to take him off the account once and she said no it won’t hurt his credit.

She’s got $300 debt in the card and it’s reflecting on his credit reports!!! I’m furious and my fiancé is just hurt

We were planning on house hunting this spring since his credit was in the 700s and going up. Well we looked today and it’s DOWN TO 615

I keep telling him to tell his mom to take him off of it but he’s trying to avoid the problem

I feel he doesn’t get the severity of the situation.

I’m trying to convince him to dispute it so it’s taken off his history

We NEVER even activated the card she gave us.

Idk what to do I’m just at a loss for words. I’m so mad. We won’t be looking for homes this spring and that’s very very VERY upsetting, we’ve been planning and saving for a year now

Update: His mom won’t pay it off she has a history of not paying her bills and stuff on time. Once she waited till her Christmas bonus to pay for something that was due in may

We also have no information on the credit card account, no paperwork because we didn’t sign anything authorizing the use of his credit! We only have the name of the company but any time we try and get information from her she says “I’ll handle it” and hangs up. Obviously it never gets handled, we are not paying something we didn’t spend. If we pay that means we are at fault, which we are not. I’m going to be disputing it to get it off his credit report so he doesn’t have any issues getting loans in the future.

Update: called the card company and they won’t give me any info without him so I have to wait until he gets home to see what’s going on. Most likely going to report it as credit fraud

Circumcision vs Uncircumcised