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Authorized user removal question.

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JayTea7
Established Member

Authorized user removal question.

So, I asked my wife to put me as an AU on her Discover card to help my CS. I had her remove me from the card in February, but it still shows up on my credit report as a $0 balance.

 

Why is it still on my credit? 

 

Does it affect me if I were to apply for a card or auto loan?

 

If I dispute it would it negatively affect my wife or my credit?

Message 1 of 4
3 REPLIES 3
AndySoCal
Valued Contributor

Re: Authorized user removal question.

@JayTea7  On the credit report their is a field call ECOA or Ownership the field will usually have values like indiviual joint Authorized user etc. What is being reported for the Discover in that field.?

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 CLOSED: Walmart Capital 1 Banking: Discover Bank Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 2 of 4
JayTea7
Established Member

Re: Authorized user removal question.

@AndySoCal this is that it says on credit karma.

 

Account status

Open

Type

Credit Card

Responsibility

Terminated

Remarks

No Info

Times 30/60/90 days late

0/0/0

Closed

No Info

Message 3 of 4
AndySoCal
Valued Contributor

Re: Authorized user removal question.

@JayTea7  Thank you for your response. The relationship with status terminated simply means you are no longer an authroized user on the account.  This will not hurt you credit. Some creditor will delete the account others will report it they Discover is reporting the account. Terminated simply means you were an authorized user on the account but not now in your case.  The link below will give you more information on what Credit Karma calls relationship Trans Union calls ECOA

https://www.transunion.com/content/dam/transunion/global/common/documents/TU-How-to-Read-Credit-Repo... 

 

 

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash+ 12,000 Citibank Custom Cash 5/2015 11,100 C State Dept. FCU 15,000 06/2023 CLOSED: Walmart Capital 1 Banking: Discover Bank Ally Bank Credit Unions: Lafayette FCU Quorum FCU State Department FCU State Department FCU Pelican State CU Redstone FCU

Message 4 of 4
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