cancel
Showing results for 
Search instead for 
Did you mean: 

An authorized user question

Highlighted
Established Contributor

An authorized user question

Hi all,

 

I was previously listed as an authorized user on a family members account. The person has had some financial issues and cant pay their cards. I have been removed as an authorized user but will that stop the card from automatically reporting to my credit report anymore? If not should i dispute it? 

Message 1 of 5
4 REPLIES 4
Highlighted
Valued Contributor

Re: An authorized user question

It depends on the card from my experience. Cap1 deleted my mom's AU card that she had on my hubby's account on the next update. Walmart however, hasn't. Unless you want it off fairly quickly you can wait for the next update since disputes can take up to 30 days for results.
Message 2 of 5
Highlighted
Valued Contributor

Re: An authorized user question

You need to check your reports, you may need to dispute it to remove it from your reports. Good luck.

Message 3 of 5
Highlighted
Moderator

Re: An authorized user question

In the past I've seen both scenarios happen... sometimes the reporting stops automatically and the account is simply removed from the AU report, and other times a dispute is required.

 

I'll also add that in the cases where a dispute was required it was really straight-forward and resolved quickly. 

Message 4 of 5
Highlighted
Frequent Contributor

Re: An authorized user question

I was just removed as AU with Cap One.  The account is still on my report reporting 0 balance and paid (Experian).

Starting Score: 544
Current Score: 607
Goal Score: 700


Take the myFICO Fitness Challenge
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.