topic Re: Citicard Authorized User Removal in Credit Cards

Citicard Authorized User Removal

Anonymous — Fri, 30 Oct 2015 15:37:27 GMT

I was wondering if anyone knows how long it will take Citi to remove my Authorized User tradeline from my credit reports. I am an AU on my wife's card which currently has a very high balance and credit util %. Removing it is going to help my score jump now that I have my own cards with $0 balances and low util. The sooner the better. Any ideas?

Re: Citicard Authorized User Removal

Anonymous — Fri, 30 Oct 2015 16:20:20 GMT

@Anonymous wrote:
I was wondering if anyone knows how long it will take Citi to remove my Authorized User tradeline from my credit reports. I am an AU on my wife's card which currently has a very high balance and credit util %. Removing it is going to help my score jump now that I have my own cards with $0 balances and low util. The sooner the better. Any ideas?

You may have to file disputes. Even when you remove yourself as an AU, it's not always removed from your reports unless you use the dispute process.

Re: Citicard Authorized User Removal

Anonymous — Sat, 31 Oct 2015 00:17:24 GMT

@Anonymous wrote:
@Anonymous wrote:
I was wondering if anyone knows how long it will take Citi to remove my Authorized User tradeline from my credit reports. I am an AU on my wife's card which currently has a very high balance and credit util %. Removing it is going to help my score jump now that I have my own cards with $0 balances and low util. The sooner the better. Any ideas?
You may have to file disputes. Even when you remove yourself as an AU, it's not always removed from your reports unless you use the dispute process.

This^^^^..

Re: Citicard Authorized User Removal

taxi818 — Sat, 31 Oct 2015 00:21:49 GMT

Or help your DW bring her balances down.

Re: Citicard Authorized User Removal

Anonymous — Sat, 31 Oct 2015 00:28:03 GMT

Being removed on their end shows up as a closed line on yours. It will still effect AAoA and payment history but not utilization. If you want it removed if it is hurting in that regard you can dispute them. Just mark as not owner of the account as the reason and then tell them you are no longer an authorized user and want it removed from your credit report. You can dispute online or call up.

Re: Citicard Authorized User Removal

Anonymous — Sat, 31 Oct 2015 00:30:32 GMT

Sorry should have said that you have to wait for them to update the report if you only do it on Citibanks end. If you want it off faster you have to remove yourself with Citibank and then dispute.

Re: Citicard Authorized User Removal

Anonymous — Sat, 31 Oct 2015 18:20:57 GMT

Thanks. I filed all 3 disputes last night and hopefully they will be updated soon. She removed me as an AU on Friday so any verification the CB's do should check out.

Re: Citicard Authorized User Removal

vanillabean — Sat, 31 Oct 2015 19:25:27 GMT

@taxi818 wrote:
Or help your DW bring her balances down.

Maybe tomorrow.

Re: Citicard Authorized User Removal

fury1995 — Sun, 01 Nov 2015 02:20:44 GMT

You disputed as "Not responsible for this account" correct?

Re: Citicard Authorized User Removal

Anonymous — Sun, 01 Nov 2015 12:47:04 GMT

@Anonymous wrote:
@Anonymous wrote:
I was wondering if anyone knows how long it will take Citi to remove my Authorized User tradeline from my credit reports. I am an AU on my wife's card which currently has a very high balance and credit util %. Removing it is going to help my score jump now that I have my own cards with $0 balances and low util. The sooner the better. Any ideas?
You may have to file disputes. Even when you remove yourself as an AU, it's not always removed from your reports unless you use the dispute process.

IIRC, I had to use the disputes process to remove DH's stuff from my credit reports.

Re: Citicard Authorized User Removal

Anonymous — Sun, 01 Nov 2015 12:52:43 GMT

Yes, "not responsible for account" or "this account does not belong to me" with a brief explanation that I am no longer an AU and would like it removed from my report. The wording of the dispute choices vary slightly for each CB but I believe I disputed it with the correct reason on each. Will update the board once complete. Thanks for everyone's help!

Re: Citicard Authorized User Removal

Anonymous — Sun, 01 Nov 2015 21:29:45 GMT

TU deleted today. That was fast! Hoping EQ and EX follow suit.

Re: Citicard Authorized User Removal

Anonymous — Tue, 03 Nov 2015 19:14:20 GMT

EX removed it today. Just waiting on EQ now.