I recently removed myself as an authorized user from my mom's Amex card. Transunion and equifax now show "relationship terminated" with a $0 balance and the history remains. Experian did not change anything so I disputed saying that the account is not mine. Will this cause any issues when I apply for a va loan in a couple months? Should I dispute equifax and transunion or will the 0 balance be okay? I don't want it included in my dti. How long will it take for experian to update?