Reply
Established Member
Posts: 13
Registered: ‎11-30-2007
0

? About being AU on DH's Credit Card

Hi Everyone,

 

I'm pretty new here, I've had some past credit troubles and have been on the road to recovery for a while now but my credit score is just so-so.  (EQ-664). One of the problems is that my DH put me as a AU on one of his CC's a while ago and now it's showing up on my report! The reason it's such a problem is that the card is maxed out and usage is like 99%. My usage on my open cards varies from 0-5% so my usage is now at 82%! (This includes a derog bal of $2284 on a closed account, will be removed 8/2009) He didn't give them my SS# or anything so how did it end up on my report? More importantly, how do I get it off? If DH removes me as a AU will it automatically come off? Or can I dispute with CR to get it off? TIA

Established Member
Posts: 40
Registered: ‎01-26-2009
0

Re: ? About being AU on DH's Credit Card

yes ask yoru DH to call the CC and ask them to remove you as a AU. It will probably take a few months before it gets off your report.
Established Member
Posts: 13
Registered: ‎11-30-2007
0

Re: ? About being AU on DH's Credit Card

I just called them and asked to be removed as AU and they did so without much problem. I then asked for a letter I could send to the CRA's to remove the account from my CR. That was a little more of a hassle...them hemmed and hawed, passed me around to three different people, then finally agreed to send me one. I'll be keeping an eye on my report to be sure it is removed.
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.