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Established Member
Posts: 17
Registered: ‎07-16-2007
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Removed AU, will it improve my score?

I'm an authorized user on my brother's credit card.  His balance is about $7200 and the credit card company closed the account when he called to make payment arrangements.  If I have all CA remove this AU, do you think my scores will increase?
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Posts: 16,385
Registered: ‎03-12-2007
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Re: Removed AU, will it improve my score?



vaupinya1 wrote:
I'm an authorized user on my brother's credit card.  His balance is about $7200 and the credit card company closed the account when he called to make payment arrangements.  If I have all CA remove this AU, do you think my scores will increase?


I'm a little confused with your post. The CC is closed with a balance, right? Was the account sent to a CA (collection agency)? FYI you are not responsible for one cent of this balance.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


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Established Member
Posts: 17
Registered: ‎07-16-2007
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Re: Removed AU, will it improve my score?

This account appears on all 3 of my reports and I know that I'm not responsible, but feel like it hurting me.  I have disputed this with all CA.  This account is not in collections.
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Posts: 6,182
Registered: ‎03-29-2007
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Re: Removed AU, will it improve my score?

Established Member
Posts: 17
Registered: ‎07-16-2007
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Re: Removed AU, will it improve my score?

Yes, it closed with a balance and was not sent to collections.  The account appears on my reports as though its my account.  I just learned from this site that I could have it removed!
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Established Contributor
Posts: 720
Registered: ‎05-04-2007
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Re: Removed AU, will it improve my score?

[ Edited ]

vaupinya1 wrote:
Yes, it closed with a balance and was not sent to collections. The account appears on my reports as though its my account. I just learned from this site that I could have it removed!

Have your brother call the CCC, request that they remove you as an AU on that account, and request that they cease reporting that account to the CRAs as belonging to you. Once you have been removed as an AU, if the account keeps showing up on your CR, dispute it with each CRA.

Message Edited by Revike on 08-05-2007 09:27 AM
Moderator Emeritus
Posts: 16,385
Registered: ‎03-12-2007
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Re: Removed AU, will it improve my score?

Dispute it with the CRA as not mine.
Credit Profile - FICO 08 Scores (03-26-2015): EQ 814, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 27 years ~ AAoA: 13 years ~ Util: 1% ~ Inqs: TU 1


Credit Cards: Amex BCP ~ Amex Clear ~ Amex Platinum ~ Barclay Ring World Mastercard ~ Chase Freedom Signature Visa ~ CITI Dividend World Mastercard ~ FIA Fidelity Investment Platinum Visa ~ First Hawaiian Bank Gold Visa
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