topic Re: Removing self as AU in Credit Cards

Removing self as AU

Joesh — Thu, 24 May 2012 20:42:07 GMT

Hi all,

I just removed myself as AU on my mom's credit card - how long will it take for this information to report to the credit bureaus? I'd like to pull my credit report for free to check but I was wondering if this is reported instant or should I wait a few weeks.

Re: Removing self as AU

pizzadude — Thu, 24 May 2012 21:37:25 GMT

@Joesh wrote:
Hi all,

I just removed myself as AU on my mom's credit card - how long will it take for this information to report to the credit bureaus? I'd like to pull my credit report for free to check but I was wondering if this is reported instant or should I wait a few weeks.

It could take one or two reporting cycles before it disappers. Sometimes people have reported that the old AU accounts don't drop so they end up either disputing with the CRAs as "not mine" or calling the creditors again.

Re: Removing self as AU

Joesh — Thu, 24 May 2012 22:13:18 GMT

So like when the statement comes out for that card?

Re: Removing self as AU

crunching_numbers — Thu, 24 May 2012 22:32:23 GMT

Joesh-

I did this a few months back with three different cards I was an AU on. This is a YMMV issue. One card removed itself when the next statement cut. The other two I ended up having to dispute. One account was removed within a week of disputing, but it took the whole dispute period for the last account to come off of EX.

Re: Removing self as AU

Joesh — Thu, 24 May 2012 23:49:54 GMT

How do you dispute it? Do you have to call the credit reporting agencies?

Re: Removing self as AU

Joesh — Thu, 24 May 2012 23:57:32 GMT

I really would like to get myself removed from the reports within 1-2 weeks, so I can submit a scanned copy of my credit report to CITI so they can reconsider my application for a credit line increase, which I was declined due to being an AU on an account I do not use.

What's the quickest way to go about it? I'm already removed as an AU - just need to expedite it showing up on my reports

Re: Removing self as AU

Anonymous — Fri, 25 May 2012 19:36:10 GMT

Do everything. Call credit card company and dispute with cra as not mine.

Re: Removing self as AU

CreditCrusader — Fri, 25 May 2012 19:55:48 GMT

@Joesh wrote:
I really would like to get myself removed from the reports within 1-2 weeks, so I can submit a scanned copy of my credit report to CITI so they can reconsider my application for a credit line increase, which I was declined due to being an AU on an account I do not use.

What's the quickest way to go about it? I'm already removed as an AU - just need to expedite it showing up on my reports

Wow...not trying to be defeatist, but good luck getting CCCs/CBs to update ANYTHING with that speed

Re: Removing self as AU

crunching_numbers — Sat, 26 May 2012 01:02:19 GMT

@Joesh wrote:
I really would like to get myself removed from the reports within 1-2 weeks, so I can submit a scanned copy of my credit report to CITI so they can reconsider my application for a credit line increase, which I was declined due to being an AU on an account I do not use.

What's the quickest way to go about it? I'm already removed as an AU - just need to expedite it showing up on my reports

Why would YOU need to provide Citi with a scanned copy of your CR? They will pull it themselves.