At 1st he didn't know who it was, he was going to drive down to the guy in Lakewood, but then he mentioned to someone else the name and pieced it together.I thought the same way, had this happened to me I would probably take care of it a diff. Way.Also the score won't hurt them now and its possible to get it all back but it'll hurt in the long run.I'm not a Rav neither did I speak directly to a rav about it but apparently it doesn't fall into the geder of gneiva, not sure why.
Am I understanding correctly that he just made a bunch AU's but didn't actually open new accounts?
Why would it hurt in the long run?
A few points on a credit score can mean a large sum of money if, for example, it bumps somebody down to a lower bracket for a mortgage.
It shouldn't hurt in the long run. Just dispute the AU account on the credit file as 'not my account'. AMEX will not fight it and the account goes right off the report.
