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AMEX Au Removal

Regular Contributor

AMEX Au Removal

A few weeks ago, DW and I called into Amex and removed me as AU from her Blue.  TU and EX promptly removed the trade line from reports completely.  But EQ is still showing the account, but balance has been removed and the notes state “Association Terminated.”  Is this normal operating procedure for EQ – to leave AU accounts on one’s report even if he/she is no longer an AU? 

 

Does the designation “Association Terminated” have any negative effect?  The account has been in good standing since day one.

Message 1 of 7
6 REPLIES
Regular Contributor

Re: AMEX Au Removal

Hey guys - anyone have info on this topic?  Thanks!

Message 2 of 7
Established Contributor

Re: AMEX Au Removal

Have not seen this term before when AU get removed. Very interested in this topic, I am. hmhuhmhmhm

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 3 of 7
Regular Contributor

Re: AMEX Au Removal


Whereis750 wrote:

A few weeks ago, DW and I called into Amex and removed me as AU from her Blue.  TU and EX promptly removed the trade line from reports completely.  But EQ is still showing the account, but balance has been removed and the notes state “Association Terminated.”  Is this normal operating procedure for EQ – to leave AU accounts on one’s report even if he/she is no longer an AU? 

 

Does the designation “Association Terminated” have any negative effect?  The account has been in good standing since day one.


Weird. Mine is the completely opposite EQ promptly removed but EX and TU are still there but it doesn't say anything with relationship terminated



Starting Score: 502 5/4/2012
Current Score: 640 08/03/2012
Goal Score: 700


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Message 4 of 7
Valued Contributor

Re: AMEX Au Removal

I would dispute and see what happens.

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Message 5 of 7
New Contributor

Re: AMEX Au Removal

I recently removed myself as an AU on an Amex & all 3 reports show relationship as "terminated" & a zero balance. I actually think it's better to have it on the reports since it's a really old account with positive history. I could be wrong but I don't think it's hurting my score. Main reason I had myself removed as an AU was bc it was at 94% util. My scored improved once the reports updated the acct as terminated with zero balance.

Citi Thank You $13,200 - Chase Freedom $3,100 - AMEX Zync NPSL (init. ability $17.5K) - Citi Forward $7,000 - AMEX BCP $6,000 - USAA Rate Adv $15,000 - USAA World MC $12,000 - Discover More $4,000 - Amex Hilton Honors $4,500 - Amex SPG $2,000 - Barclay's Priceline Rewards $6,400 - Chase Sapphire Pref. $7,500

EQ: 794. TU: 704. EX: 755
Message 6 of 7
Community Leader
Valued Contributor

Re: AMEX Au Removal

+1. @ Crashem

Dispute it and it will be removed completely.  


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 7 of 7