cancel
Showing results for 
Search instead for 
Did you mean: 

Are removed/terminated Authorized User accounts part of AAoA?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
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
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
EQ9:850 TU9:850 EX9:850
EQ5:809 TU4:789 EX2:819 - 2019-09-06
Message 2 of 4
Regular Contributor

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

Thanks for the info!

Message 3 of 4
Member

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.