if my ex files chapter 13 bankruptcy will negatives be taking off my credit report

There should be no negative accounts on your credit report simply because you are authorized user, and less you only account and a responsible and obligated for paying on the account there is no way they could of listed on your credit history report. If it's on your credit history report then you're also on the account. Once your ex deals with those accounts in the chapter 13 bankruptcy they will be removed from his credit report. But the bankruptcy filing of one person never affects the credit of another person. The only way that it possibly could affect your account is if you're actually listed and they accept payment from him in chapter 13 bankruptcy and consider the account paid in full. But you should really verify with the credit reporting bureaus to find out if you're actually listed as an account holder, because being an authorized user should not be on your credit report. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147