Authorized user/late payment issue

[Anonymous]

Upon runing my credit report, I learned that I am authorized user to a CC with one (30 day) late payment in the last year. I apologize if this issue has been beat to death on this forum, but looking for a quick answer as I seem to getting conflicting information.

Anyway, If I were to be removed as authorized user does this mean the entire account (and all history) goes away from credit report or does the past history have to remain (including this late pay)?

I attempted to call Experian, cant get a real person.

Equifax & Transunion sent me to foriegn call center so I have a difficult time with understanding.

Im getting some conflicting answers, but the consense is generally the entire account can be disputed and removed as "not mine"? And all I would need is a confirmation that I had been removed?  Is this information accurate?

[Loquat]

You can indeed have yourself removed from the account and most lenders will move forward with removing the account from your credit report.

[RSX]

first ask the person who owns the card to remove you as an AU - they can usually do it online

once they do this, wait just over a month - if you aren't removed, dispute it online and it should get removed

[Anonymous]

Just to reiterate is that only going forward?, Or does this remove the WHOLE account (including the past negative)? I must apologize for my thickheadedness here, it sounds like it removes the whole account automatically, and if not, I can file a dispute to get the whole account off my report as "not mine"?

The foreign call centers for credit bureaus seems to suggest this is case, but the language barrier is creating a difficult time for me on this. Thanks for info.

[OmarGB9]

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@Anonymous wrote:

Just to reiterate is that only going forward?, Or does this remove the WHOLE account (including the past negative)? I must apologize for my thickheadedness here, it sounds like it removes the whole account automatically, and if not, I can file a dispute to get the whole account off my report as "not mine"?

The foreign call centers for credit bureaus seems to suggest this is case, but the language barrier is creating a difficult time for me on this. Thanks for info.

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Yes, the WHOLE account comes off. Like it never happened.

[Anonymous]

Thank you! I realize this wont happen overnight, but just a solid answer is greatly appreciated here! This has been very frusterating and dealing with non english speaking call center reps has not helped. Thanks again, good evening! 

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@OmarGB9 wrote:

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@Anonymous wrote:

Just to reiterate is that only going forward?, Or does this remove the WHOLE account (including the past negative)? I must apologize for my thickheadedness here, it sounds like it removes the whole account automatically, and if not, I can file a dispute to get the whole account off my report as "not mine"?

The foreign call centers for credit bureaus seems to suggest this is case, but the language barrier is creating a difficult time for me on this. Thanks for info.

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Yes, the WHOLE account comes off. Like it never happened.

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Thank you! This has been a headache that clearly has an easy solution, again thank you for information, to all!