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This is my bad experience. Two years ago I was with a guy that had money managing problems. He applied for a credit card and without my knowlege added me as a secondary. When the cards came in and he gave me mine I was furious. I called the credit card company to cancel my card and was told that I couldn't do that because I wasn't the primary card holder. I told this to my then boyfriend and told him to cancel. Later that day he said it was done.

We split up a few months later and about a year ago I applied for an apartment and was denied. Well turns out he didn't cancel the card afterall and charged his card and never made payments. Now it's on my credit and I think it's $5000. The credit card company won't even tell me the amount but I had a creditor statement in his name forwarded to my new address a few months later with that amount.

I've asked the guy to get me a notarized letter admitting fault which will clear my credit in a few weeks to months but he won't. What can I do? A suggestion solution are…

Call the credit card company and tell them that you never applied for it, someone used your name fraudulently. Are you on the account as an authorized user or coapplicant. If you are on as an authorized user just have the company send in a credit reporting update. If you are a coapplicant then call in and have them send out forms stating that you are not responsible for the balance and that your ex will assume responsibilty. Getting a notarized letter does nothing really. If the company won't tell you the amount you sound like you are an authorized user and an authroized user is not legally responsible for the balance. The company can also send you a copy of the application so that way you could tell if you are a coapplicant or authorized user. In order to process it as a fraud claim you would have to be willing to go to court and prosecute him.