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  1. Back in 2006, I had excellent credit, and a $9500 USAA credit card. I added my SO to the card as an authorized user. Then 2009 hit and I found myself in financial ruin. I had let my payments slip, as I had no income for 4 months. I got everything settled and was making payments to USAA on a closed account. I was completely paying on a $0 credit line. Anways, come 2012. My tenants quit paying, live a long distance away, and I was underwater on my house by quite a bit. I could not get there to go to court, and had no options (that I knew of). Wasnt worth evicting them. I filed for Chap 7 in Aug 2012 and it was CO in Nov 2012. The negative account is still being reported on an AUs credit report. Is this legal? I would place this in the BK thread, but it seems like the BK really has nothing to do with this. The account was owned by me, and an AU should not have a negative line.... I know USAA really likes to get revenge when they are snubbed, but isnt that going a little far? Any ideas on how to take care of this? My AU has alled them, and was told the accounts are closed and she cannot be removed... she would have to call the COLLECTIONS department. Like that is going to happen. Any ideas?

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