I've learned something today. Something I never thought I'd learn in my life. Somebody can f#@* your credit up without even needing your permission. I applied for a credit card a while back, and got back a reject notice today. They said I was denied due to excessive late payments on a different account in my credit history. Well after I call the bank, then the credit history place, and then pay to get a copy of my credit history, I find out that all of my credit is top notch except for a Discover card. well....wait just a minute...I don't have a discover card. But my mother does, so I figured she added me onto her account (but that doesn't explain the late payments...my mother always pays ontime). So I call discover and using the account info I get from Transcredit that the account is under another person's name, and I am only a secondary account. Yup....turns out my ex had me on her discover account, and I didn't even have a card. Plus, her late payments (9....I mean com'n) were sending my credit rating down the drain. Nice, huh? Now I had to do some quick thinking to talk discover into removing my name from the account, and then get Transcredit to issue a dispute request to discover to clear my credit history. I'm not even sure if it will work to clear my credit, but I now know that sharing anything with anyone is a dangerous proposition. Especially when that person doesn't pay their bills on time.