Few questions about credit report......

[Anonymous]

I have a few questions:

I am an authorized user on a credit card, if I am removed as an authourized user will the item be deleted from my credit report?

I have a credit account that was a charge off.  I have sine paid the balance in full --- I did not settle.  The original creditor is reporting it twice, and not stating that the accoutn is paid in full.  How do I try to turn this into a positive reporting?

I disputed several items from equifax -- I received my investigation results back, and the items were deleted from my credit file, will they also be deleted from TU and Experian?

Thanks for any information!

[llecs]

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lp wrote:

I have a few questions:

I am an authorized user on a credit card, if I am removed as an authourized user will the item be deleted from my credit report?

I have a credit account that was a charge off.  I have sine paid the balance in full --- I did not settle.  The original creditor is reporting it twice, and not stating that the accoutn is paid in full.  How do I try to turn this into a positive reporting?

I disputed several items from equifax -- I received my investigation results back, and the items were deleted from my credit file, will they also be deleted from TU and Experian?

Thanks for any information!

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Yes, the item will be deleted. That could be good or bad depending on how the account is reporting and how old it is compared to your other accounts.

Per the double reporting, you can dispute as a duplicate account if you don't care if it gets deleted. If not, you'd have to send a GW of sorts to the OC. Modify to mention that it is reporting twice and that you'd like it to report "paid in full".

Each CRA investigates independently. If an OC or CA gets the investigation, then that creditor may opt to delete all 3 at the same time.