Legal Question in Credit and Debt Law in California

Re: Credit reports

You can contact the credit reporting agencies and put a short explanation on your credit report of why you have this credit "blemish." As for taking it off, only intervention by the credit card company itself can probably do that for you in a cost effective manner. Such intervention is very unlikely. That is why you never let anyone have use of your credit cards: it's like lending records (i.e. LPs) in days of old. You end up living with the scratches on the disk because it's not their property.

Re: Credit reports

Unfortunately, wait the 7 years for it to come off. Yo may be able to get the cc company to reverse it based on the agreement you have with the, but to be perfectly honest, they are not really going to care about which of you is responsible, that's a civil matter for the two of you to hash out...they only want to get paid. Since the card was under your name, and obviously was not paid, they made the blemish on your record.

Sadly, this is one of those times where being the nice and honerable person did not pay off. Even sadder, it seems to be happening more and more in the world.... It makes one fearful to even be helpful any more.

Sorry there is no good answer, but I think you got yourself in a mess of hot water with this and your best bet is to try to work with the cc company that issued the negative mark...only they can remove it.

Scott