topic Re: Effect on Credit Report when removing yourself as Authorized user in General Credit Topics

Effect on Credit Report when removing yourself as Authorized user

Anonymous — Thu, 13 Feb 2020 00:40:35 GMT

Hi Guys,

I have 3 Authorized user accounts on my report with an average age of 6 months. My own accounts has an average age of 2.5 years. My question is if removing myself as a user from the 3 AU accounts will help increase my average age to 2.5 years or if the AU user accounts will stay on my report as "closed accounts" thereby continuing to drag down my average age?

I found this online:

"These authorized user accounts then become part of the authorized users’ credit reports and credit scores for as long as they remain guests on the account. Once removed from a card, the account is then removed from the authorized user’s credit reports and scores, leaving no remaining trace that it was ever there." Source: https://www.creditcards.com/credit-card-news/remove-authorized-user-affect-credit-score.php

Can someone confirm what is correct?

Thanks!

Re: Effect on Credit Report when removing yourself as Authorized user

JNA1 — Thu, 13 Feb 2020 00:56:40 GMT

I had myself removed from my wife’s Credit One card and my score and AAoA went up. I added myself because at the time we only had the Discover and Summit store card, and I wanted a Visa to have to use at a few places that didn’t take Discover. There’s nothing on my file that shows I was ever there now. I did do dispute resolution to make sure Credit Kne took me off. IDK that I had to do it, but I did it just in case.

Re: Effect on Credit Report when removing yourself as Authorized user

wantitgone — Thu, 13 Feb 2020 01:50:56 GMT

I was an AU on two cards with an ex and I haven't been an AU since... 2014 or 2015, but they still show up on TU and EQ, but not EX. It's strange but since my ex's history was before I was even 18, having them removed would shorten my AAoA by over 2 years on TU and EQ compared to where EX sits. That's why I've just let them be, lol, but I'm sure if I disputed them they would get removed since I'm no longer an AU.

Re: Effect on Credit Report when removing yourself as Authorized user

omgitsMatt — Thu, 13 Feb 2020 04:29:14 GMT

Most times you have to physically dispute the accounts off as "not yours" to get them to fall off immediately. Takes a month.

Otherwise what happens often (not always) they show as closed accounts on reports and still impact your AAoAs.

A simple dispute will get them off, works every time. As they _aren't_ yours. There's nothing to argue with.