Authorized User

[puppiesnme]

I am an authorized user on one of my Mother's credit cards.  I pay her bills for her and help her with all her financial needs.  I have established credit and do not need this account showing up on my credit report.  As an Authorized User can I have this removed from my credit report?  I disputed it with all three bureaus and TranUnion removed it but Equifax and Experian verified it and said the item belongs to you.

Will I have to have myself removed as authorized user to get it removed?

I don't use the card myself but it is easier if I have a problem or question to be on the account so the cc suport staff can talk to me about the account.  The account is at a pretty low balance/limit ratio but I have 4 cc's in my own name and this one makes the number of revolving accounts higher and the overall balance higher.

I thought Authorized User's could request to have the card removed from their account?

[MarineVietVet]

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@puppiesnme wrote:

I am an authorized user on one of my Mother's credit cards.  I pay her bills for her and help her with all her financial needs.  I have established credit and do not need this account showing up on my credit report.  As an Authorized User can I have this removed from my credit report?  I disputed it with all three bureaus and TranUnion removed it but Equifax and Experian verified it and said the item belongs to you.

Will I have to have myself removed as authorized user to get it removed?

I don't use the card myself but it is easier if I have a problem or question to be on the account so the cc suport staff can talk to me about the account.  The account is at a pretty low balance/limit ratio but I have 4 cc's in my own name and this one makes the number of revolving accounts higher and the overall balance higher.

I thought Authorized User's could request to have the card removed from their account?

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Welcome to the forums.

You absolutely have the right to have yourself removed as an AU. Your mother can also request you be removed.

7/09 TU-742 EQ- 779
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802

CC interest free as of 8/09
"Hello my name is Sandy and I'm a recovering crediholic".

[Jazzzy]

You have the right to have yourself removed as an Authorized User. Disputing with the credit reporting agencies, however, is not the way to do it. They were simply reporting what had been correctly reported to them...that you are indeed an Authorized User. If you get it off your reports that way, it will just reappear when the card reports again. You need to deal through the source of the information...the credit card.

[StarraeAday1]

Please correct me if I'm wrong, but I think puppies is more asking if he can continue to BE an authorized user of the credit card account because it's more convenient, without it reporting to the credit bureaus on his report. I don't know the answer the the question (sorry!) but I wanted to help clarify.

[MarineVietVet]

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@StarraeAday1 wrote:
Please correct me if I'm wrong, but I think puppies is more asking if he can continue to BE an authorized user of the credit card account because it's more convenient, without it reporting to the credit bureaus on his report. I don't know the answer the the question (sorry!) but I wanted to help clarify.

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If that's the case I have no idea either.

[Anonymous]

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@puppiesnme wrote:

I am an authorized user on one of my Mother's credit cards.  I pay her bills for her and help her with all her financial needs.  I have established credit and do not need this account showing up on my credit report.  As an Authorized User can I have this removed from my credit report?  I disputed it with all three bureaus and TranUnion removed it but Equifax and Experian verified it and said the item belongs to you.

Will I have to have myself removed as authorized user to get it removed?

I don't use the card myself but it is easier if I have a problem or question to be on the account so the cc suport staff can talk to me about the account.  The account is at a pretty low balance/limit ratio but I have 4 cc's in my own name and this one makes the number of revolving accounts higher and the overall balance higher.

I thought Authorized User's could request to have the card removed from their account?

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Hi and Welcome to the forums!

If I understand the question, you can have yourself removed from the credit card as an authorized user by writing the Credit Card Company and requesting such. Once they update with the CRBs it will be as if you were never on that account.

If you are an authorized user, and that company's normal procedure is to report AUs to the CRBs, it will show up on your credit reports.

Have a happy!

CB

[puppiesnme]

Yes, what I was asking is can you be an authorized user and not have it reported on your credit report.

I have tried to find what the Fair Credit Report rules where surrounding Authorized User and all I can find is they are calculated and used exactly as if you were responsible for the credit.  The only difference is you are not liable for the credit.  You get all the positive (and negative) benefits just as if the credit was issued in your name.  But I could not find anything concerning if you could request to have them removed from your credit report.

[Lel]

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puppiesnme wrote:

Yes, what I was asking is can you be an authorized user and not have it reported on your credit report.

I have tried to find what the Fair Credit Report rules where surrounding Authorized User and all I can find is they are calculated and used exactly as if you were responsible for the credit.  The only difference is you are not liable for the credit.  You get all the positive (and negative) benefits just as if the credit was issued in your name.  But I could not find anything concerning if you could request to have them removed from your credit report.

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I don't know if the CRAs must comply with a request to have the account removed from your credit report if you remain an AU of your mother's credit account.

A few observations:

Four vs five revolving accounts isn't going to make a significant impact on your credit score, nor will it make you look particularly "bad" to any entity from which you seek credit.

You mentioned that your mother's credit card has low utilization.  Assuming that this is an account in good standing, with no delinquencies reported, then it is probably helping your score rather than hurting it, since it's probably increasing your average age of accounts, and may also represent your oldest account on your record.  Depending on its credit limit, it could also be lowering your overall utilization.

Since you've established your own credit and don't need to use your mother's account, the easiest way to make it disappear off your credit reports would be to simply remove yourself as an AU, as suggested earlier. 

[IOBA]

Remove yourself as an authorized user AFTER you have submitted a POA (Power of Attorney).

Call each company, ask if they have their own form and where to send it to. Ask if they will accept a copy of a POA.

If they do not have their own form, use a generic form, get it notarized and send it in.  (I send in notarized copies to places.) 

Verify that your information is on file.  Once it is, remove yourself as an AU.