topic Re: Authorized user question. in General Credit Topics

Authorized user question.

Anonymous — Wed, 29 Jul 2020 08:48:08 GMT

Hi all.

If I dispute an authorized user account on my credit report and have it removed, would I still be able to use the card even though it is not being reported to the credit reporting agency?

Re: Authorized user question.

UpperNwGuy — Wed, 29 Jul 2020 11:03:30 GMT

I doubt that the credit bureau will remove it unless the credit card issuer agrees. If the account exists, the bureau will report it, dispute or no dispute.

What exactly are you trying to do? I think we need more details.

Re: Authorized user question.

coldfusion — Wed, 29 Jul 2020 11:18:20 GMT

I'm going to guess that the card has, or is about to have, high utilization and the OP now wants to hide the tradeline so their scores aren't adversely impacted yet still be remain as an active AU.

Card issuers don't take kindly to attempts at disputing off valid tradelines and the CRAs won't remove them just on your say-so.

Re: Authorized user question.

Remedios — Wed, 29 Jul 2020 12:46:06 GMT

@Anonymous wrote:
Hi all.
If I dispute an authorized user account on my credit report and have it removed, would I still be able to use the card even though it is not being reported to the credit reporting agency?

You wont be able to use it, because removing is in essence "closing" of AU account.

Account holder will be able to use theirs.

Re: Authorized user question.

Anonymous — Wed, 29 Jul 2020 12:48:07 GMT

K, thanks for the info.