one more 5/24 question

[Anonymous]

My wife is an AU on several of my credit cards. Right now she is 6/24 including these cards

If I remove her from my cards does this helps to put her under 5/24 immideatly? Or we still need to wait for 2 years when these account fall off?

[imaximous]

When you remove her, they should also remove the history from her reports, so she'll be good to go.
I'd just wait till the accounts don't show on her reports anymore to apply.

[Anonymous]

thank you

just to make sure I understood right

do we need to contact agencies and ask to remove from the reports or they do this automatically afterv some time?

[imaximous]

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@Anonymous wrote:

thank you

just to make sure I understood right

do we need to contact agencies and ask to remove from the reports or they do this automatically afterv some time?

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From experience, and I don't have every single card out there, when you remove an authorized user, you wipe out the history from the AU's report. It may take a cycle or two to update on all bureaus, but they should go away automatically. It's different when you close the account. In that case, it stays there and shows as closed.

She can also request a removal from each bureau, and that takes some time too.

[Remedios]

Some AU accounts stay on CR as closed accounts, and some get deleted. 

For instance, Discover no longer deletes TL. They used to, but not now 

So, in a nutshell, it will be lender specific. 

[Anonymous]

I removed her from Amex, Cap1, Walmart today

and  Discover, Victoria commenity earlier

The latter still show as closed accounts in her report

[imaximous]

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@Anonymous wrote:

I removed her from Amex, Cap1, Walmart today

and  Discover, Victoria commenity earlier

The latter still show as closed accounts in her report

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If they stay on her reports as closed, she can file a dispute with each bureau and request a removal. She can choose the option that goes along the lines of "not responsible for account." I forget the exact wording when they ask you to choose the reason for the dispute. 

Then, she can explain in a couple of sentences that she was only an authorized user and was never responsible for the account, and that she's requesting the tradeline to be removed. 

[Anonymous]

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@imaximous wrote:

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@Anonymous wrote:

I removed her from Amex, Cap1, Walmart today

and  Discover, Victoria commenity earlier

The latter still show as closed accounts in her report

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If they stay on her reports as closed, she can file a dispute with each bureau and request a removal. She can choose the option that goes along the lines of "not responsible for account." I forget the exact wording when they ask you to choose the reason for the dispute. 

Then, she can explain in a couple of sentences that she was only an authorized user and was never responsible for the account, and that she's requesting the tradeline to be removed. 

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This is exactly what you have to do in many cases as a lot of creditors do no update your reports when removed as an AU.  Pretty easy to do but your reports will take some time to update before the account(s) are removed.

[Anonymous]

She can also stay on your accounts as AU and apply to Chase cards, but would have to go through recon and say 'not financially responsible for XXXXXX card'