Authorized User - does it stay on credit report as closed account after being dropped?

[wdkwang]

So I've been added as an authorized user on several cards in the past year with relatively low balances. I don't use any of these cards and only had myself added as an authorized user to thicken my credit report. However, now I have close to 30 cards and don't need these authorized user cards. I want to bring back my average age of account (AAoA) back up. There's about 5 or 6 authorized user cards that are about 1 year old. If I remove myself on all these cards, will they disappear completely from my credit report at the next statement closing, or will it stay on my credit report for the next ~7 years? If it disappears at next statement closing, it should raise my AAoA back up, but if it stays on for ~7 years, then the effort of removing myself as authorized user would've been for naught.  

Thanks

[calyx]

They'll be removed entirely, like it was never there.

[wdkwang]

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@calyx wrote:

They'll be removed entirely, like it was never there.

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Thanks for clarifying. If they're removed entirely, that would imply that my AAoA would go up at the next statement closing, correct?

Also, I read that AAoA takes into account your closed credit cards. So if I closed a few new credit cards that are about a year old each, my AAoA would not go up because they are still being factored in. Is this correct?

[CH-7-Mission-Accomplished]

Authorized user accounts do not automatically drop off your credit report when you are removed.   They update and say the relationship status is "terminated."   I have a dozen of them on my reports -- some with each of my decased parents, many with my ex and a couple with a good friend who has accounts going back 30 years (which aided by AAofA).

What you can do is after the account relationship is terminated, you can dispute the accounts as "not responsible for this account" or whatever the exact language is on the dispute form.

I have never had an AU account drop off without disputing it.

[calyx]

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Yup!  If the shorter ages of your AUs are depressing your Average Age of Account, it should go up when they're removed.  Whether or not it goes up to cross a threshhold, you'll have to math it out.

They will go up whenever the accounts are deleted, which may or may not be at statement closing.
In addition, if the AUs "linger," you can open a dispute with the CRAs to remove them (citing that the accounts aren't your responsibility) and it should be straight forward (so don't worry if they don't disappear right away).

Your closed accounts do factor into your aging.

[Duke_Nukem]

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@calyx wrote:

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In addition, if the AUs "linger," you can open a dispute with the CRAs to remove them (citing that the accounts aren't your responsibility) and it should be straight forward (so don't worry if they don't disappear right away).

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We just removed our kids as AU from a couple of Synch accounts this week.

What is the appropriate time frame to initiate a dispute to remove the AU accounts (kids will be trying for a Chase card in February, so probably need the AU's removed by then so that they will be under 5/24)?  Wait a month... or is it something that could be done now (so that we can see their scores in January)?

[mikesonthemend]

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@Duke_Nukem wrote:

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@calyx wrote:

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In addition, if the AUs "linger," you can open a dispute with the CRAs to remove them (citing that the accounts aren't your responsibility) and it should be straight forward (so don't worry if they don't disappear right away).

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We just removed our kids as AU from a couple of Synch accounts this week.

What is the appropriate time frame to initiate a dispute to remove the AU accounts (kids will be trying for a Chase card in February, so probably need the AU's removed by then so that they will be under 5/24)?  Wait a month... or is it something that could be done now (so that we can see their scores in January)?

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You should probably allow 45 days for the changes to show.

[FlaDude]

I removed my DD as an AU on my Chase Slate account a couple of years ago due to high UTI hurting her score. We talked to Chase and they said removing the AU does not automatically remove it from the credit report, but if we specifically requested Chase would have it removed, which we did and they did.

[Anonymous]

I've never seen them removed as an automatic action (not saying it can't happen with certain lenders), but they are easily enough removed by a dispute. Yes your own closed accounts will continue affecting your AAoA until they drop (7 years dirty/10 years clean, or mystery removal at anytime).