topic Re: How to properly remove my authorized user status score dropped from 768 down to 690 in General Credit Topics

How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Sun, 28 Apr 2019 08:00:25 GMT

I have been helping him fix all his credit and he had one card he never used but kept active for 18 years I added myself as a auth user on his card and hes a auth user for most of my credit cards.
Everything was great then it was not, score dropped from 768 down to 690 and the only reason is that one card because it's at 96% I know again I am at a loss for words right now.
I need to properly get this taken care of and take that card off my report. I was happy because it had a long history but I'd rather my score be good from my own work anyways I just added his maybe 7 months back it was good until last month. At this point j would much prefer having it gone entirely if at all possible.
If he called chase and removed me as a authorized user will it erase entirely from my credit report or will it show as a closed account? Anyway someone could help me out sorry its all.over the place literally typing this while stressing over Bill's at work 23 btw

Re: How to properly remove my authorized user status score dropped from 768 down to 690

GApeachy — Sun, 28 Apr 2019 10:04:21 GMT

I believe it will go into your closed accts. as "Terminated".

Re: How to properly remove my authorized user status score dropped from 768 down to 690

CreditInspired — Sun, 28 Apr 2019 10:13:02 GMT

Is it possible that he made a one-time huge purchase and will PIF within 30 days? UT has no memory; and if that’s the case, you’ll regain the points. But if it’s going to be months, that’s another story.

You can dispute the card on your CRs stating that you’re an AU and not responsible for payment of the bill. I think the account in its entirety will be removed. Not 100% sure. Hopefully, someone else will be coming along and can confirm and/or provide additional info.

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Sun, 28 Apr 2019 13:44:38 GMT

My DW added me to her 150$ Victoria secret card as an AU..... score dropped.
So I had her remove it.. it was still showing as terminated as op stated above. I was pretty upset but I just disputed with Experian and before I knew it the account was gone all together on all 3 cr. Not sure if it was the dispute That did it but it seems so

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Sun, 28 Apr 2019 22:28:32 GMT

OP, if you want to be removed this is the process. First have the primary user contact the CCC and remove you as AU.
Once that is done, you file a dispute with each bureau with the reason being “not my account.”

It will be removed at each bureau if you’re authorized user status has been removed at the CCC.

However, as stated above it’s killing your score because of the utilization. Utilization has no memory. So the other option is to pay it down but then this is always over your head if it gets maxed out again.

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Mon, 29 Apr 2019 14:46:05 GMT

As I am with him I'm juggling some.of his debt I know this wont be paid off within the next 3 months even though it's a small amount
I'm confused so what does it do in terms of score if its listed as terminated

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Mon, 29 Apr 2019 23:27:43 GMT

It really doesn't matter whether it's paid immediately, unless you need the score boost immediately or want to avoid paying interest.

If it's terminated, it stays on your report but isn't updated, I believe. More experienced members? Either way, you can remove it as I told you.

Maybe if it's terminated, it'll help AAoA, but not impact utilization? Or is it stuck at the last reported useage? More experienced members?

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Tue, 30 Apr 2019 03:00:06 GMT

This was my question ignore everything else Haha this is all I want answered haha

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Tue, 30 Apr 2019 03:11:52 GMT

It's a good question: will it help AAoA, and not impact utilization? Or is it stuck at the last reported utilization?

My guess is it'll be stuck at the last update, so pay it down, then remove, LOL. Seriously, more experienced members? I will caution though, it could be removed at anytime by the CRA if you are no longer a valid AU, but could stay for a long time, who knows?

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Tue, 30 Apr 2019 11:00:07 GMT

Remove yourself as I think u did. Then dispute. Simple

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Tue, 30 Apr 2019 11:04:07 GMT

When mine was terminated,not yet removed it definitely still impacted my aaoa. I was pretty surprised my DW. Thought adding me as an AU to a 150 sl Victoria secret card would be good for me. But at least she tried. Made sure to explain to her never do anything with credit unless u run it by me lol. She agreed 😂😒

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Tue, 30 Apr 2019 23:31:18 GMT

@dtk6802 😂😂😂 I apologize but thank you for the laugh. I can’t tell you how much that reminds me of telling someone else something similar. Do not do that without checking with me first. But, of course we know how that goes, LOL!

Let me ask you a question though: once you were terminated but not yet removed, you said it still affected your age. Did it still affect your utilization? And if so, did it stay at that percentage until removed due to the lack of updates due to termination?

If so and utilization was it zero it would be beautiful to be able to have it stuck that way without removing it. Benefit of age without detriment of utilization. Which is actually what our OP is trying to determine I believe?

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Wed, 01 May 2019 10:31:29 GMT

I'm almost sure it did not affect utilization once it was terminated, I'm not positive. The small 150$ limit didn't change percent I could just see the extra 150 total credit limit.
Lol I still make sure the DW understands how important her credit is... Otherwise she would Max out her starter cards lol

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Wed, 01 May 2019 13:33:23 GMT

Well OP, I think we are getting close. Now all we need is confirmation.

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Wed, 01 May 2019 16:11:08 GMT

Let me go check my backdated reports see if I can figure this out for sure

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Wed, 01 May 2019 16:27:49 GMT

I only had the account on my report for less than two weeks. From what I saw until the account was completely removed it affected my utilization it went from 7% to 6% and when it was fullyremoved it went back.

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Wed, 01 May 2019 18:22:19 GMT

So even after termination it appeared to affect your utilization until removal? Well, in that case it appears it may be YMMV. My advice would be terminate, wait and see. You’ve got nothing to lose by waiting. If it doesn’t work out, you can then remove.

Oh yeah, then you can contribute DP’s for DP’s sake! 😉

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Anonymous — Wed, 01 May 2019 21:46:08 GMT

In my research I noticed it did affect my average age of accounts at least according to credit karma while the account was terminated. I hope this helps somebody along the way. Before this happened to me I was under the impression you could remove yourself as an authorized user in that in itself would remove the account you should have seen my face when I saw that Victoria's secret $150 starting limit after she added me as an au.😒🤔🤔🤯