Inactive Authorized User Account

[Anonymous]

I have a closed authorized user account on my credit report that is giving me headaches in getting approved.  I was (but am no longer) an authorized user on my mom's credit card.  My credit report says the account is closed, but shows a balance and minimum payment that my lender is using in calculating my DTI.  Is this right?  What can I do about it?

[Anonymous]

Have you tried calling the card company?

[Anonymous]

Yes, I have contacted the credit card company and they are sending me a letter stating that I am no longer an authorized user.  If was listed as an authorized user and the account status was closed on my credit report, shouldn't not have been counted in my DTI anyway?

[WannaHouse]

If the account is closed and there is still a balance owed, it is going to hurt you quite a bit. They CAN report a balance as long as it is still owed.I would ask mom to call as well and try to get it fixed.