Card Reporting

[Benzman]

Hi all!

Back with another question. I was an authorized user on two of my moms credit cards, but being I have my own cards, had my mom remove me and received confirmation in the mail that I was removed. Just pulled my credit reports today and both cards are still reporting, although it says "TERMINATED" next to responsible party. Is this normal as I figured if I was removed, it would not be reported on my report any longer.

[lincar66]

You may have to request removal specifically

[Anonymous]

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@Benzman wrote:

Hi all!

Back with another question. I was an authorized user on two of my moms credit cards, but being I have my own cards, had my mom remove me and received confirmation in the mail that I was removed. Just pulled my credit reports today and both cards are still reporting, although it says "TERMINATED" next to responsible party. Is this normal as I figured if I was removed, it would not be reported on my report any longer.

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Quite often you need to followup with the CRAs to have them remove you as an AU.  Call them up or file a dispute and let them know that you are no longer a user of the account and they will remove you from the reports.

[Benzman]

THe strange thing is it is just on the TU report, I thought it was EQ as well, but I was wrong.

It shows last reporting was June 2015 and a 0 balance currently, but I know mom as a hundred or two balance on it as we speak.

My concern is if mom would ever be late or something, if it would affect my credit since still on there, even though listed as terminated>

[Benzman]

Just submitted dispute to TU and will advise the outcome soon as I hear.

[gdale6]

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@Benzman wrote:

THe strange thing is it is just on the TU report, I thought it was EQ as well, but I was wrong.

It shows last reporting was June 2015 and a 0 balance currently, but I know mom as a hundred or two balance on it as we speak.

My concern is if mom would ever be late or something, if it would affect my credit since still on there, even though listed as terminated>

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Once terminated it doesnt matter what the main cardholder or other AUs do it will not be reported on your CR.

[takeshi74]

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@Benzman wrote:

It shows last reporting was June 2015 and a 0 balance currently, but I know mom as a hundred or two balance on it as we speak.

My concern is if mom would ever be late or something, if it would affect my credit since still on there, even though listed as terminated>

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As you've seen it won't update.  However, if you want it removed and it was not removed then you'll need to dispute.