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ace9848
Posts: 285
Registered: ‎03-29-2008
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How do I get my name off my wife's CC accounts?

My wife (bless her) put my names on some of her credit cards, thinking it would be nice, not understanding that the balances that she carries will affect my credit score. I don't use these cards at all, and I don't think I ever had to sign anything to get my name on the account. (Could that be true - is it all that easy?)

 

Anyway, how do I get my name off of the account so that my credit score can rise? There is no sense in it hurting both of our scores, right? Does the company have to get her permission? Can I just call them?

 

Thanks!

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cobaltnv
Posts: 640
Registered: ‎09-02-2008
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Re: How do I get my name off my wife's CC accounts?

Based on how you were added I assume you are an AU and not joint. Removing an AU is usually very easy. For some companies you could call and ask to be removed, for others the primary account holder must be the one to call. If after a couple of months the accounts still show up on your credit report you may dispute as not yours.

 

If you are joint then everything changes. It is very hard, and sometimes not possible, to remove a joint holder without closing the account. However, to be a joint user you should have had to sign something.

Good Luck. 

TU 810: EQ 813: EX 814 (9/16/09--Loan officer pull)

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ace9848
Posts: 285
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Re: How do I get my name off my wife's CC accounts?

Thankfully I am an AU, not joint. So if they agree, will all of the card's history, etc... be expunged, or how do you think it will show? Thanks!

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cobaltnv
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Re: How do I get my name off my wife's CC accounts?

When you are removed from a card as an AU the entire tradeline disappears. At least it is supposed to, there have been some reports of AU accounts staying on for months/years. If the accounts continue to report you can dispute as not mine and they will be removed. 
TU 810: EQ 813: EX 814 (9/16/09--Loan officer pull)

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PayingTheBills
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Re: How do I get my name off my wife's CC accounts?

Once you are removed as an AU, the accounts will disappear entirely, as thought they were never there.  You will get rid of any negative history, but also lose any postive history from these accounts.

Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 715 TU
Goal Score: 760 EQ 760 TU


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haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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Re: How do I get my name off my wife's CC accounts?


cobaltnv wrote:
When you are removed from a card as an AU the entire tradeline disappears. At least it is supposed to, there have been some reports of AU accounts staying on for months/years. If the accounts continue to report you can dispute as not mine and they will be removed. 

American Express is the bank that keeps hanging on to my family members' reports. They want me to pull (and pay for!) an EX report for both of them, so that AmEx can stop updating.

Excuse me??
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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goingforadream
Posts: 145
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Re: How do I get my name off my wife's CC accounts?

I was listed as AU on ex's Barclay card. I asked for my name to be removed over a year ago and it never was. I didn't actively persue it until recently when I got all my own cc's and a loan paid off---can't hurt me util wise now. When I called Barclay last week I found out my name isn't on his card anymore, it just hasn't been removed from the CBs. Over a year---thankfully his account is in good standing. I consider myself fortunate especially considering the current economic status.

 

I assumed, as I'm sure a lot of others have, that once removed from the card itself it would come off the reports. I've already started the dispute process to have them removed.

 

I guess I won't be able to know if experian removes or not--or do they have to acknowledge the change to me?

FICO score tracker

3/19/08: TU-649, EQ-676, EX-656
5/7/08: TU-653, EQ-651, EX-706
1/7/09: TU-659, EQ-667, EX-681 (but now I have my house!)
3/25/09: TU-675, EQ-668
New goal: new car
8/5/09: New car goal met. Developing new goals....
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cobaltnv
Posts: 640
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Re: How do I get my name off my wife's CC accounts?


goingforadream wrote:

I was listed as AU on ex's Barclay card. I asked for my name to be removed over a year ago and it never was. I didn't actively persue it until recently when I got all my own cc's and a loan paid off---can't hurt me util wise now. When I called Barclay last week I found out my name isn't on his card anymore, it just hasn't been removed from the CBs. Over a year---thankfully his account is in good standing. I consider myself fortunate especially considering the current economic status.

 

I assumed, as I'm sure a lot of others have, that once removed from the card itself it would come off the reports. I've already started the dispute process to have them removed.

 

I guess I won't be able to know if experian removes or not--or do they have to acknowledge the change to me?


 
You will (should) receive a notification of the resolution of the dispute.  
Even if they do not send any notification you will be able to see if EX removes the account--they have stopped letting us see our Fico Score, but they have not stopped our ability to see our actual report. 

 

TU 810: EQ 813: EX 814 (9/16/09--Loan officer pull)

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goingforadream
Posts: 145
Registered: ‎03-12-2008
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Re: How do I get my name off my wife's CC accounts?

gotcha & thanks for clearing that up for me :smileyhappy:
FICO score tracker

3/19/08: TU-649, EQ-676, EX-656
5/7/08: TU-653, EQ-651, EX-706
1/7/09: TU-659, EQ-667, EX-681 (but now I have my house!)
3/25/09: TU-675, EQ-668
New goal: new car
8/5/09: New car goal met. Developing new goals....

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