topic Authorized User in General Credit Topics

Authorized User

Icewater — Sun, 08 Sep 2019 20:26:59 GMT

Hello,
I talked about the 90 day hitting my account and I mentioned I was an AU on an account with 90%utilization.
I called Discover and got removed as an authorized user and on my credit report it’s listed as a closed account and on credit Karma my scored only dropped 16 pts for the 90 day late but today credit Karma dropped 35 for the 5,000 decrease due to me getting off the discover account as a AU . I’m not sure if that’s why my FICO scores dropped so low due to the 90 day late and getting off the account as an AU and it reporting as a close account.
Should I try to get all trade lines from the discover account removed or does it make a difference that it is showing on the reports as a closed account.

Re: Authorized User

Anonymous — Mon, 09 Sep 2019 02:50:12 GMT

Open a dispute with credit bureaus.
What else is on your profile?
It might be that your Uti went up thus score drop

Re: Authorized User

Anonymous — Mon, 09 Sep 2019 11:12:57 GMT

Pull your FICO scores and look at those. You can disregard CK’s VS3.0 scores.

Re: Authorized User

CreditInspired — Mon, 09 Sep 2019 21:26:45 GMT

@Icewater wrote:
Hello,
I talked about the 90 day hitting my account and I mentioned I was an AU on an account with 90%utilization.
I called Discover and got removed as an authorized user and on my credit report it’s listed as a closed account and on credit Karma my scored only dropped 16 pts for the 90 day late but today credit Karma dropped 35 for the 5,000 decrease due to me getting off the discover account as a AU . I’m not sure if that’s why my FICO scores dropped so low due to the 90 day late and getting off the account as an AU and it reporting as a close account.
Should I try to get all trade lines from the discover account removed or does it make a difference that it is showing on the reports as a closed account.

First, stop going by Credit Karma scores.

Second, what are your 3 FICO scores?