0&&s)if(o){var a,r=(a=e.newCount)>99;s.textContent=r?"99+":a+"",null===(n=s.parentElement)||void 0===n||n.classList.add(Jn)}else s.style.display="block"},f=function(){u.refreshPanel().then(m).then(te).catch((function(){}))};if(e.addEventListener("close-all-menus",(function(){ke(c)||d()})),c){f();var v=setInterval((function(){f()}),3e5);e.onDestroy((function(){clearInterval(v)})),o?l&&l.addEventListener("mouseenter",(function(){p(),null==n||n.show()})):c.addEventListener("mouseenter",(function(){p(),null==n||n.show()})),c.addEventListener("mouseleave",(function(){d(),null==n||n.hide()}))}e.addElementListener(i,"click",(function(){ee("ybar","notification","",{elm:"btn",elmt:"block"===(null==s?void 0:s.style.display)?"newalert":"",subsec:"notification",itc:"1"})})),a&&Se(e,a,"ybar","notification",{elm:"expand",subsec:"notifications",itc:"2"}),e.addElementListener(r,"focusin",(function(){i&&(i.checked=!0),null==r||r.classList.add("ybarMenuOpen")})),e.addElementListener(r,"focusout",d),e.addElementListener(t.tooltipContainer,"focusin",(function(){null==n||n.show()})),e.addElementListener(t.tooltipContainer,"focusout",(function(){null==n||n.hide()}));var y=e.getConfig().device,h=document.getElementById("ybar");h&&h.classList.contains("ybar-ytheme-crunch")&&(io=0);var b=new RegExp("[?&]notifications=1(&|#|$)");"desktop"===y&&i&&b.test(window.location.search)&&(i.checked=!0)};be("ybar-mod-notification",(function(e){var t={isUH3:"crunch"===e.getConfig().ytheme,notifContainer:document.getElementById("notification-container"),notifBadge:document.getElementById("notif-badge"),notifMenu:document.getElementById("ybarNotificationMenu"),notifMenuOpener:document.querySelector("#ybarNotificationMenu + label"),notifDropdown:document.getElementById("notifDropdownContainer"),tooltipContainer:document.querySelector(".".concat(Vn)),notifLabel:document.querySelector(".".concat($n))};t.notifDropdown&&ro(e,t)}))}()}};]]>Maurie BackmanWed, September 24, 2025 at 2:30 PM GMT+2 6 min readIt's one thing to see a debt you recognize on your credit report. It's another to find a debt you never took on — and shouldn’t be responsible for.That's what happened to Amy from Minnesota, who called into The Ramsey Show for advice. [1] Amy and her husband had worked hard to get financially stable. They'd built up an emergency fund and were ready to buy a home.But when they applied for a mortgage, they were shocked to find a $17,000 debt listed on Amy’s credit report. The debt came from a credit card company she had access to as a secretary at a small accounting firm. Amy had been added as an authorized user to book travel, not to borrow money.When Dave Ramsey heard her story, he was outraged on her behalf. "This is ridiculous. This should not be on your report," he said.He advised Amy to tell her employer to remove her from the account immediately. "Shut it down. Shut down the account, or shut your name down off the account," he said.Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's howI'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast)Dave Ramsey warns nearly 50% of Americans are making 1 big Social Security mistake — here’s what it is and 3 simple steps to fix it ASAPAuthorized user accounts can appear on your credit report, even if the debt isn’t legally yours. While you’re generally not liable for this balance, the account’s activity — especially high balances or missed payments — can affect your credit score.There are several reasons someone might be added as an authorized user:Like Amy, you may need access to a company card to make purchases for work.Parents often add teens or college students to their accounts to provide emergency access to funds.For younger users, being added to a well-managed account can help build positive credit history.So, being an authorized user isn’t always a bad thing. But it becomes a problem when debt from that account negatively impacts your credit, even though you’re not the primary account holder."It's not legal, but they do it all the time," Ramsey said, referring to how these debts can wrongly affect credit reports.According to the Consumer Financial Protection Bureau (CFPB), being an authorized user does not make you legally responsible for the debt. [2]It also says credit card companies are supposed to report your status as an authorized user — not as someone liable for repayment. 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