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I didn't address this part of the question last week because the gentleman's main question was about the order of checks that cleared his account, and the fact that his account got overdrawn because of a check for 5 to the Boy Scouts that was more than six months old.He was mad at his bank, but it was the Boy Scouts' bank that accepted the check to begin with and then sent it to this guy's bank for payment. Recently, my girlfriend added me as an authorized user on her credit card from Chase bank but the card was mailed to her and they never asked her for my Social Security number, date of birth, etc. You think the credit bureaus can't find you if they don't have your Social Security number or date of birth? If Chase is reporting you as an authorized user, it will get onto your credit report.Of course his own bank would allow it to post to his account. The question: How will credit bureaus know about my payments on the credit card from Chase if they don't know anything about me? Your girlfriend should ask Chase how many authorized users it reports on, and whether it is reporting your activity. Some allow four and will report all of them to the credit bureaus.(Don't be surprised, though, if you get a customer service rep who doesn't truly understand your question.) Anthony Sprauve, spokesman for Fair Isaac Corp., the giant of the credit score models, says FICO doesn't care whether an authorized user lives with the account owner or how they are related, or whether they are related at all. In my experience, which I admit is limited, the "love is blind", "puppy love" stage starts to fade, I start to see my significant other for who they really are, and I begin to get a pretty good idea of whether or not I want to continue a relationship with this person.I used to think of the six month mark in a relationship as the "make it or break it" point.And when I felt that my husband was being sneaky or keeping something from me, I made some pretty horrible accusations which made him feel as though I didn't trust him.I was having trouble trusting him and he felt that he couldn't trust me enough to tell me what was going on for fear that I would jump to conclusions.

Now that we are together all the time, we expect to know every little detail about each other's lives when we're not together.

I should know, my husband mentally links me with wvery man in town.

My husband and I have been married for 7 months and recently started seeing a marriage counselor because of trust issues.

To lift your freeze, you will need the PIN you were given or established when you froze your files. Murray is The Plain Dealer's personal finance writer.

Here's the contact information for each of the bureaus: Equifax: 1-800-685-1111, https:// Trans Union: 1-888-909-8872, 1-888-397-3742, https:// interested in hearing from readers with credit freezes. Because of the volume of requests, she cannot help everyone who contacts her.

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