Creditors and Bankruptcy/Credit report dispute

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Question
My mother added me to her Belk credit card several years ago. I asked her to remove as to not strain my credit. My credit is good, mid 700s. However, my current report indicates I am still active on that account. It's been at least 7-8 years since I was taken off that account. Do I just dispute it with the credit agency or contact Belks directly? Thank you for your time.

Answer
Leon Bayer
Leon Bayer  
Dear Brian,

I suggest you start with Belk, just because is possible that your mother never finished removing your name.

If your name was removed, it will be a simple matter for Belk to update your report, or for you to dispute that item on your report if Belk won't update the report for you.

Readers of this advice who want to know more about the perils of sharing your credit with other people ought to read the following article, "Don't Co-sign" from my personal bankruptcy blog; http://www.mybankruptcy.lawyer/los-angeles-bankruptcy-attorney/  

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Los Angeles Bankruptcy Attorney Leon Bayer

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I can answer all questions relating to debt collection, credit reporting problems, credit scores, bankruptcy, debt settlements, debt settlement scams, and dealing with debt collectors. For many years I have been one of your volunteer experts for the topic "Bankruptcy Law". I would like to receive more questions. I'm thinking that many relevant questions get asked under this catagory as well as my own. See my stats, below: Los Angeles Bankruptcy Lawyer Leon D. Bayer U.S. Available View Profile Ask A Question View Past Answers Knowledgeability9.96 Clarity of Response9.93 Politeness9.97 Response Time(hr)14.6 --Last 90 Days(hr)7.6 Total Questions1119

Experience

34 years as a practicing bankruptcy attorney, published book author on topics of bankruptcy and foreclosure. See, http://en.wikipedia.org/wiki/Leon_D._Bayer

Publications
See, http://www.nolo.com/law-authors/leon-bayer.html

Education/Credentials
BA degree, J.D., admitted to California Bar in 1979.

Awards and Honors
President, 1995-1996-Los Angeles Bankruptcy Forum; Member - Los Angeles County Bar Association Committee on Commercial Law & Bankruptcy, 1988. Law Advisory Commission-Personal & Small Business Bankruptcy Law of the State Bar of California, 1996-2000

Past/Present Clients
Over 15,000 bankruptcy cases.

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