topic Re: Authorized User Questions in Credit Cards

Authorized User Questions

RussianPassion — Thu, 02 Apr 2015 19:39:53 GMT

Hi folks,

Few years back I added my wife as an AU to my Cap1 cards which I have great standing with. I now want to remove her as an AU, since my balances are high and she is needs to get a few cards of her own.

I have a few questions... If I remove her as an AU, will the AU tradeline disappear from her reports and how long will it take if yes.

And alternatively, if I was to add her as an authorized user on my other card that I have 0 balance on and have had since 2 years ago, will it reports it fresh on her report from the moment I add her or from the original opening date of the card?

Thanks!

Re: Authorized User Questions

joeyoey — Thu, 02 Apr 2015 22:07:18 GMT

Yes, if you remove her it should dissappear & be gone from her reports the next time the card reports.

If you add her as an AU to another card, it should show on her report as the original date the account was opened. I think this might vary some from cc to cc, but this is the way most of them report. Also, not all ccs report as AUs & some don't report to all 3.

Re: Authorized User Questions

RussianPassion — Fri, 03 Apr 2015 01:03:04 GMT

Thank you!

Re: Authorized User Questions

gdale6 — Fri, 03 Apr 2015 01:39:55 GMT

With Cap-1 it will remain on her reports as relationship terminated, the balance updated to 0.

Re: Authorized User Questions

Moorework1 — Thu, 30 Apr 2015 13:10:29 GMT

If it shows up relationship terminated, can you then dispute it as "not mine" to get it completely deleted? or does it even matter that it shows terminated?

Re: Authorized User Questions

Anonymous — Fri, 01 May 2015 01:52:57 GMT

AUs can request removal, since they are not primary cardholder and not liable.