I have been spending the past 3/4 hours on the phone with all the bureaus (except ex) cap1 and so on.
It seems like i am an AU on someone account since 02. I had no idea until now. I got a credit karma email and i decided to look at it this time. It seems like i have a running balance for almost 7 yrs though the minimum payment has been paid, every month except one month in 2012, (the latest the bureaus can see is since 2011) i first called up Cap1 and they had no idea what i was talking about bec i am not in there system. then i filed for annual credit report but i only go TU. so i called them and explained how i have no idea what this is. they said its an AU, they said they will shut down the account. then i called ex which is a disaster bec everything is automated, and i tried paying the 11.50 for the credit report but it didnt go thru. then i spoke to EQ who said they too will take it off my account.
the question uis does this affect my score. someone using my name as an AU having a running balance but paying off min due.