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section8 wrote:Should it be a problem to delete an CC AU account from my credit reports? I have disputed the account ( AU from my wife's card ) 3 times with EQ and it keeps coming back verified. I call the CC company, and they will not remove it either, and are not help at all. I'm not responsible for the debt and it is effecting my scores due to the balance. Why so much trouble to remove it? Any suggestions? It is holding back my score the few points I need to get a loan and I can't get anyone to move fast on the matter...What Credit Card company is it? It is easier to get yourself removed as an AU through the issuer of the card. You might want to have your wife call since she is the owner of said account. If you dispute it through the CRA they may delete it for one month but when the CC reports again next month it'll come back.
You never want a CC account reporting closed with a balance. BAD!
section8 wrote:When I called them up they said thay would be happy to remove me as an AU. The problem is see is that they will no longer report to my files and the high balance will stay on my file until I am able to get it deleted (if I can). We just paid paid off the card so I want it to reflect on the zero balance on my report before removing AU status. But, it might be too late for this loan by the time they report the new balance...
Message Edited by section8 on 07-31-2007 03:39 PM