Authorized User Q

Anonymous · ‎03-05-2019

A while back, my wife added me as an authorized user on one of her department store cards. It started showing up on my credit report. Later, about 9 months ago, I had her remove me as an authorized user because it was at a higher usage rate than the rest of my cards and it was making it hard for me to bring my usage pct down.

So she did, and I can see that they no longer report it month to month. However, it still shows up on all 3 of my credit reports. What's worse is that since they stopped reporting, it still shows the older higher balance.

Is there a way to get it removed? I feel like it might be a negative factor.

Thanks in advance for any advice!

FlaDude · ‎03-05-2019

Try calling the issuer and ask them. When I removed my daughter as an AU for a Chase card they said that by default removing the AU didn't remove it from her credit report, but that she could call and have it removed. They wouldn't let me do it. On the flip side, once I removed her the balance reported as zero and it was just there helping with age. That was about 8 months ago, we just checked recently and strangely it is gone altogether from her EQ report, we haven't check the others yet.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k

thornback · ‎03-05-2019

All you need to do is dispute it with the bureaus. Reason: Authorized user, not responsible. Please remove.

This is the only type of account you can remove with little to no effort.

Personal Aphorism:"Forget What You Feel, Remember What You Deserve"

Starting FICO 8s | 09/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 04/2022: EX 796 ✦ EQ 793 ✦ TU 790
Current FICO 9s | 04/2022: EX 790 ✦ EQ 788 ✦ TU 782
2022 Goal Score | 800s

My AAoA: 4.6 years not incl. AU / 4.9 years incl. AU
My AoOA: 9.2 years not incl. AU / 11.2 years incl. AU
Inquiries: EX 0/12 ✦ EQ 0/12 ✦ TU 0/12
Report Status: Clean
Garden Status:

Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.

Anonymous · ‎03-05-2019

Thank you all for the quick response! I will go ahead and dispute it.

@thornback wrote:
All you need to do is dispute it with the bureaus. Reason: Authorized user, not responsible. Please remove.

This is the only type of account you can remove with little to no effort.

Anonymous · ‎03-06-2019

Just wanted to give a quick update. Trans Union deleted the erroneous account in 1 day! I was shocked.

I'm struggling a little with the other two but now I think I'll hold off and see how it affects my TU score before proceeding with the other 2. Thanks again for all the advice!

Anonymous · ‎03-07-2019

Well, I already got feedback. TU FICO 8 went up 5 points on this one change alone. The authorized user account made up about 40% of my revolving debt so my usage rate dropped by removing it. Looks like I will move forward with other 2.