Will removing myself as an AU.....

[Anonymous]

If i remove myself from being an AU will the tradline be completely deleted as if it never existed or will it stop reporting effective that time going froward with all previous information remaining?

[YoungEntrepeneur]

From my experience, it comes off your report completely.

[TheVerdict]

I just had my parents to put me on as an authorized user on their Discover card so that I could gain some points down the line.  My Mom said that she added me but they never asked for any information besides my name.  Sorry for sounding so stupid, but how does it get on your credit report if they don't have your ssn?

[Anonymous]

If you are on as an authorized user it doesn't do anything to your credit, as far as the credit bureau is concered, you don't even have access to that account. If you are a secondary user, it will affect both the primary and the secondary in the same way. The only way to get off from being a secondary user is the pay of the card completely and close it.

[smallfry]

People I have made AU on some of my cards still show them on their reports even after removal at the CC issuer's website. Some are showing open with older credit limits lower than the current limits. Some show closed with drop off dates 10 years after AU status was removed.

[haulingthescoreup]

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TheVerdict wrote:
I just had my parents to put me on as an authorized user on their Discover card so that I could gain some points down the line.  My Mom said that she added me but they never asked for any information besides my name.  Sorry for sounding so stupid, but how does it get on your credit report if they don't have your ssn?

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Spooky, isn't it?

Check your credit reports --does your mom's home address also appear somewhere on your reports? (former address or whatever)

+1 with smallfry --I can't get AmEx AU accounts (now no longer AU's) to stop reporting on DH's and DD#2's credit reports. BofA came off promptly, though.

[Anonymous]

Yes.

[Anonymous]

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@Anonymous wrote:

If you are on as an authorized user it doesn't do anything to your credit, as far as the credit bureau is concered, you don't even have access to that account. If you are a secondary user, it will affect both the primary and the secondary in the same way. The only way to get off from being a secondary user is the pay of the card completely and close it.

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AU accounts DO in fact affect your FICO.  FICO changed their plans to discontinue considering AU.  So it still has effect related to age, balance/utilization and potentially derogs reported.  Most AU's are not financially responsible, so it is entirely ignored by a Loan Officer review and as a credit reference (because not financially responsible).

Also, most AU accounts DO provide "access" to the account.  Sometimes full access to call CSR for account info, access to utilize the full CL and in general use the card the same as the responsible party.

Message Edited by txjohn on 05-12-2009 04:45 PM

[TheVerdict]

Yes.  As a matter fact her address is listed on my credit report, although that was my childhood home.