a question for the law types. my gf got a credit card 4 years ago. 2 years ago she asked for a card with my name on it. we received the card, no credit check, no signature no nothing but a card. well the gf thing didnt work out, no biggie. my problem is i have her huge ballance showing up on my credit report. i phoned mc and they said since at one time i phoned about the account, showing i knew i was on it, therefore i am as responsable for the ballance as she is. im not denying having been given a card, but mc cannot provide a signed contract by me, or any receipts i had signed for. the ex has even gone so far as to formaly request me being taken off the account, then all the paperwork involved was done, and still they want to stick me with her ballance. without spending $ how can i get them to stop treating me like an asshole who cannot do anything about it. im sure a good grand to a lawer would shut em up, at that point i may as well put it toward the ballance though.