The Ramsey Show Highlights Mom Signed Me Up For A Credit Card Without My Permission
Apr 25, 2025
A caller reveals the shocking news that her mother signed her up for a credit card without permission, leading to unexpected credit complications. The hosts dive into identity theft issues and offer practical tips for maintaining financial security. They navigate the emotional fallout of unauthorized credit use, discussing the need for clear communication and boundaries within families. The conversation emphasizes how to address family misunderstandings about finances while taking proactive steps to rectify these financial mishaps.
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Unauthorized Credit Card Anecdote
- Nicole's mother gave her a Capital One credit card without explanation or permission.
- Nicole found out about it only when it appeared on her credit report weeks later.
Remove Unauthorized Credit Card From Report
- After removal from a credit card account, it takes 1-2 months for it to drop off your credit report.
- File a dispute with the credit bureau to speed up removal by declaring you're not an authorized user.
Freeze Credit & Monitor Reports
- Freeze your credit with all bureaus to prevent unauthorized accounts.
- Regularly check your credit report every few weeks to monitor any unwanted activity.