I recently found out I had a charge-off from a credit card company on an account that I was an authorised user on years ago. The account belonged to my ex-boyfriend. Since we broke up, I had never used the card nor received any communication from the card company obviously – the statements were not sent to my address. So now that is on my credit report. Should I contact the card company to clear it up – I was told that contacting them will “refresh” the debt and bad influence.