Removing Creditor for previous AU from Credit Report

[xazilizax]

Last year I added someone as an Authorized User to my Capital One card and then removed them a while later. Capital One is still showing up on their report. Is there a way for them to get it removed? 

[guiness56]

They can dispute with the CRAs as not theirs.

[xazilizax]

Awesome.  They'll be happy to know that.  Thank you.

[guiness56]

As a side note, I don't advocate disputing.  This is one of the few cases it is ok.

[xazilizax]

Thanks for the note.  Will it affect their score negatively after it's been disputed?

[llecs]

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@xazilizax wrote:

Thanks for the note.  Will it affect their score negatively after it's been disputed?

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It won't have any impact on the account holder's credit because it'll remained unchanged. It can negatively or positively impact the AU's credit because it'll disappear. YMMV on many factors.

[RobertEG]

I would contact Cap1 and inform them to discontinue the reporting to the AUs credit file, per your request, which they apparently have already agreed to.

By taking the dispute route, a pending dispute flag will be placed in the user's file, screwing up their scoring until removed, and the creditor will have to process a dispute.

If they concur that the reporting to the AUs file should have been discontinued based on termination of AU status, I am sure they would rather comply with an informal call rather than a formal dispute. 

I would only take the dispute route if informal request does not do the trick.