Removing myself as AU from Chase Freedom

[mattmyFIC0]

I removed myself from my DW Chase Freedom card today. She opened it in July and added me as an AU. I like to micromanage my reports and didn't really like her account affecting things on mine. Currently she is at about 66% UTI on the card from Christmas shopping and it dropped my scores about 20pts.

I called Chase and they were more than happy to remove me as AU but I also had to specify that I wanted the account removed from my CRs. They were very nice and said it would take about 3-5 business days.

I'll report back as to what affect this has on my reports after it is removed.

[OmarGB9]

Chase may or may not remove your info from your reports. Probably best to call up the bureaus individually and file a dispute so the account can be removed.

[Anonymous]

Chase is very hit or miss here. I added a friend to my Freedom for a little score boost and they didn't ask for a SS. 3 months later it finally shows on his report. Stayed on for about 8 months until his scores were good enough for his own cards and I removed him. Here we are 6 months later and it's still reporting on his CR.

[mattmyFIC0]

I spoke directly with their credit bureau dept and he said that they would have them removed.

[OmarGB9]

Still keep the number for each individual CB handy just in case.

[mattmyFIC0]

Just a quick followup on this. 

I ended up waiting a week with no result other than the account being listed as relationship terminated on my reports. I disputed and got it removed from each CR. The account had 4 months of history and my score dropped a bit when it was deleted. I lost about 12ish points on EQ and EX with no change on TU. 

[Anonymous]

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@mattmyFIC0 wrote:

Just a quick followup on this. 

I ended up waiting a week with no result other than the account being listed as relationship terminated on my reports. I disputed and got it removed from each CR. The account had 4 months of history and my score dropped a bit when it was deleted. I lost about 12ish points on EQ and EX with no change on TU. 

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The entire account was deleted and removed, right? (meaning history is lost) 

Just wanted to make sure this is what happened. 

[mattmyFIC0]

Yes, no trace left.

[Anonymous]

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@mattmyFIC0 wrote:

Just a quick followup on this. 

I ended up waiting a week with no result other than the account being listed as relationship terminated on my reports. I disputed and got it removed from each CR. The account had 4 months of history and my score dropped a bit when it was deleted. I lost about 12ish points on EQ and EX with no change on TU. 

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Would you kindly provide me with steps on how to do this? I've never done a dispute before.

[Anonymous]

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@Anonymous wrote:

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@mattmyFIC0 wrote:

Just a quick followup on this. 

I ended up waiting a week with no result other than the account being listed as relationship terminated on my reports. I disputed and got it removed from each CR. The account had 4 months of history and my score dropped a bit when it was deleted. I lost about 12ish points on EQ and EX with no change on TU. 

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Would you kindly provide me with steps on how to do this? I've never done a dispute before.

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Sure, log into your account on either credit karma (for tu/eq) or directly to the credit bureaus. 

Then, there's an option to dispute when you click on the revolving account. If you can't find it, you can always Google dispute *insert credit bureau here*

(sorry on mobile can't get links)