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You can dispute the TL with the CRAs, since you are not responsible for the account.
Total CL: $321.7k | UTL: 2% | AAoA: 7.0yrs | Baddies: 0 | Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping |
There isn't a universal timeframe. It depends on when the creditor reports the change and how long the CRA's take to update after receiving the updates. If your they have reported/updated and the TL reports terminated or similar you can dispute.
My wife closed a shell gas card that I was an AU on 6 months ago and it still shows open on my reports.
I disputed it and it still shows open with a remark that it was closed by consumer.