Care Credit shows up on my credit report as a charge-off, even though I have never applied for a loan with them. Our son-in-law needed dental work done and I was contacted by phone, as a possible guarantor. During the conversation I asked many questions and then was told I was not needed to help him get the loan. I never signed any paperwork nor gave my permission to be on the loan. Now how do I file a complaint and get rid of this smudge on my credit report? read full review »