cancel
Showing results for 
Search instead for 
Did you mean: 

Are removed/terminated Authorized User accounts part of AAoA?

tag
JMCB
Regular Contributor

Are removed/terminated Authorized User accounts part of AAoA?

In the beginning of my rebuilding process, I added myself to my mothers credit cards as an authorized user. They were 3 brand new accounts from January of this year (2016) with $10,000 to $15,000 limits. They offset my utilization bringing up my score quite a bit. But now, I have a clean report and don't need the accounts, so I removed myself from them. They now show as "terminated". But are they still used in calculating my AAoA? If so, can I dispute the accounts saying they are not mine and have them removed from my report to bring up my AAoA?

Message 1 of 4
3 REPLIES 3
iv
Valued Contributor

Re: Are removed/terminated Authorized User accounts part of AAoA?

Yes, they are included in AAoA.  And yes, you can remove them from your reports.

EQ8:850 TU8:850 EX8:850
EQ9:847 TU9:847 EX9:839
EQ5:797 TU4:807 EX2:813 - 2021-06-06
Message 2 of 4
JMCB
Regular Contributor

Re: Are removed/terminated Authorized User accounts part of AAoA?

Thanks for the info!

Message 3 of 4
Anonymous
Not applicable

Re: Are removed/terminated Authorized User accounts part of AAoA?

Do you know how to remove such Auth User accounts? Call all 3 credit bureaus?

I'm in similar situation, need to remove my account (auth user) which has been closed recently.

Thanks

Message 4 of 4
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.