Reply
Regular Contributor
Posts: 159
Registered: ‎01-31-2009
0

what to do?

i was a authrized user not a joint account on citi cc. i sent a letter to the 3 cra asking them to remove that was a month ago. should i wait to send it again?? or are they wating to hear from citi?

Established Contributor
Posts: 703
Registered: ‎03-23-2009
0

Re: what to do?

Has Citi removed you as an authorized user on the account?  If not then you probably need to contact Citi and be removed as an authorized user and request them to update the CRA's and remove the account from your reports. 
Goal: 700 by end of January!!! 7/20/09 EQ 605
6/03/09 EQ 587
5/15/09 Ex 686 TU 653
5/11/09 EQ 628/ TU 639/ EX 656 (81% util.)
5/9/09 EQ 628/TU ?/ Exp ?
3/23/09 EQ 491/ TU 565/ Ex 627
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: what to do?

Is it marked as being in dispute on your CR?
-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Regular Contributor
Posts: 159
Registered: ‎01-31-2009
0

Re: what to do?

no its no being diputed. the cc was closed and it has a 9,000 bal. bad debt
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: what to do?

Do you have proof of when the CRA received the letter?
-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Regular Contributor
Posts: 159
Registered: ‎01-31-2009
0

Re: what to do?

no but it has to be a month now
Moderator Emeritus
Posts: 11,562
Registered: ‎08-29-2007
0

Re: what to do?

They have 30-45 days from the time they get the dispute to resolve it.

 

I'd make sure the card holder contacts Citi and removes you as an AU, then I'd dispute again, either online or CM so you know when the disputes were received.

-----------------------------------------------------------------------------------------------------
Free Annual Reports, Freq. Requested Threads, 5 Things We Don't Talk About, Common Abbreviations, Where do I start?, State Resources
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.