Authorized user and 5/24

[Anonymous]

Hello all,

I recently got an authorized green card from my dad, however I didn’t know until now that it counted against chase 5/24, and it’s preventing me from applying for a freedom card for over a year. My question is that if I cancel the AMEX authorized user card is it removed from my credit score immediately or does it stick around like all other cc accounts, and is there a way to ask to have it removed immediately. I dont believe I’d like to go down the dispute rout.

Is it possible to have the AU card removed immediately and how?

Thanks fico fam.

[gdale6]

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@Anonymous wrote:
Hello all,

I recently got an authorized green card from my dad, however I didn’t know until now that it counted against chase 5/24, and it’s preventing me from applying for a freedom card for over a year. My question is that if I cancel the AMEX authorized user card is it removed from my credit score immediately or does it stick around like all other cc accounts, and is there a way to ask to have it removed immediately. I dont believe I’d like to go down the dispute rout.

Is it possible to have the AU card removed immediately and how?

Thanks fico fam.

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Remove yourself then dispute it as "am only an AU not responsible for repayment of account please remove" Just know you will not be able to add self back and have it report again as an AU under the same account number. Amex will report it as a terminated account and not actually remove it.

[Anonymous]

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@Anonymous wrote:
Hello all,

I recently got an authorized green card from my dad, however I didn’t know until now that it counted against chase 5/24, and it’s preventing me from applying for a freedom card for over a year. My question is that if I cancel the AMEX authorized user card is it removed from my credit score immediately or does it stick around like all other cc accounts, and is there a way to ask to have it removed immediately. I dont believe I’d like to go down the dispute rout.

Is it possible to have the AU card removed immediately and how?

Thanks fico fam.

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An authorized user account should not necessarily prevent you from being approved for a Freedom card if you meet the underwriting criteria, and are exactly at 5/24 (or just marginally over).  You can always apply for the card; then immediately request reconsideration if your app was declined, and ask that the underwriter not include the AU account(s).