topic Re: authorized user accounts on CR?????????? in Rebuilding Your Credit

authorized user accounts on CR??????????

Anonymous — Wed, 08 Jul 2015 02:21:21 GMT

I have several CC accounts listed on my CR that i recently pulled. They were originally in my ex wifes name (wife at time) and I was an authorized user. towards the end of our divorce I called and had myself removed from these accounts. Was a suprisingly easy process, just a phone call, and was released from any and all liability for these cards. However when I look at my CR I see the accounts listed and they show a high balance. Under the account owner it says "Terminated". Im assuming that means I dont have use of the account??..it lists them under "open accounts"...what should I do here if anything?.

Re: authorized user accounts on CR??????????

gdale6 — Wed, 08 Jul 2015 02:50:18 GMT

as long as the current balance is 0 leave them alone, terminated means you are no longer an AU on the account

Re: authorized user accounts on CR??????????

Anonymous — Wed, 08 Jul 2015 04:05:25 GMT

the current balance for these accounts is about 75% of the limit. not good.

Re: authorized user accounts on CR??????????

gdale6 — Wed, 08 Jul 2015 14:56:36 GMT

@Anonymous wrote:
the current balance for these accounts is about 75% of the limit. not good.

Then you need to dispute the balance as it should report 0. If this doesnt work you will have to request the entire account be removed from your reports.