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How to properly remove my authorized user status score dropped from 768 down to 690

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How to properly remove my authorized user status score dropped from 768 down to 690

I have been helping him fix all his credit and he had one card he never used but kept active for 18 years I added myself as a auth user on his card and hes a auth user for most of my credit cards.
Everything was great then it was not, score dropped from 768 down to 690 and the only reason is that one card because it's at 96% I know again I am at a loss for words right now.
I need to properly get this taken care of and take that card off my report. I was happy because it had a long history but I'd rather my score be good from my own work anyways I just added his maybe 7 months back it was good until last month. At this point j would much prefer having it gone entirely if at all possible.
If he called chase and removed me as a authorized user will it erase entirely from my credit report or will it show as a closed account? Anyway someone could help me out sorry its all.over the place literally typing this while stressing over Bill's at work 23 btw
17 REPLIES 17
Valued Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

I believe it will go into your closed accts. as "Terminated".  

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(Oldest Acct: 1998; Youngest Acct: Nov 2019)
Message 2 of 18
Community Leader
Super Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Is it possible that he made a one-time huge purchase and will PIF within 30 days? UT has no memory; and if that’s the case, you’ll regain the points. But if it’s going to be months, that’s another story.

You can dispute the card on your CRs stating that you’re an AU and not responsible for payment of the bill. I think the account in its entirety will be removed. Not 100% sure. Hopefully, someone else will be coming along and can confirm and/or provide additional info.
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SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

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Message 3 of 18
Frequent Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

My DW added me to her 150$ Victoria secret card as an AU..... score dropped.
So I had her remove it.. it was still showing as terminated as op stated above. I was pretty upset but I just disputed with Experian and before I knew it the account was gone all together on all 3 cr. Not sure if it was the dispute That did it but it seems so
Starting score(February 2018)-520
Current Score: FICO 8- 744EX, 755TU, 740EQ, Goal Score: 775 by (06/2020)
Buisness CC- Amex Amazon Prime Biz 3500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card -6700
Personal CC's HILTON HONORS
Cap1 Venture-VS-5000
Sams Club MC-4500
Citi® / AAdvantage® Platinum Select® WEMC-9000CL, Citi rewards+(wmc)(5400sl-6900cl
American Express® Rose Gold
1st Disco It- 2000 , 2nd Disco it- 2000SL-4000-4500CL
Dcu-3000-
12/18 Amazon SC- 500-2500-6000--10,000 cl AND-Walmart SC-250sl-1000-5000-6000cl, Home depot- 500sl-2000cl-
-dcu2.74 Auto loan(50% paid off)
Goal score 800



Message 4 of 18
Valued Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

OP, if you want to be removed this is the process. First have the primary user contact the CCC and remove you as AU.
Once that is done, you file a dispute with each bureau with the reason being “not my account.”

It will be removed at each bureau if you’re authorized user status has been removed at the CCC.

However, as stated above it’s killing your score because of the utilization. Utilization has no memory. So the other option is to pay it down but then this is always over your head if it gets maxed out again.









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 5 of 18
Regular Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

As I am with him I'm juggling some.of his debt I know this wont be paid off within the next 3 months even though it's a small amount
I'm confused so what does it do in terms of score if its listed as terminated
Message 6 of 18
Valued Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

It really doesn't matter whether it's paid immediately, unless you need the score boost immediately or want to avoid paying interest.

If it's terminated, it stays on your report but isn't updated, I believe. More experienced members? Either way, you can remove it as I told you.

Maybe if it's terminated, it'll help AAoA, but not impact utilization? Or is it stuck at the last reported useage? More experienced members?









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 7 of 18
Regular Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

This was my question ignore everything else Haha this is all I want answered haha
Message 8 of 18
Valued Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

It's a good question: will it help AAoA, and not impact utilization? Or is it stuck at the last reported utilization?

My guess is it'll be stuck at the last update, so pay it down, then remove, LOL. Seriously, more experienced members? I will caution though, it could be removed at anytime by the CRA if you are no longer a valid AU, but could stay for a long time, who knows?









(Forgive typos, mobile.)(Everything said is Just IMHO.)
Scores updated NOV'19.
Message 9 of 18
Highlighted
Frequent Contributor

Re: How to properly remove my authorized user status score dropped from 768 down to 690

Remove yourself as I think u did. Then dispute. Simple
Starting score(February 2018)-520
Current Score: FICO 8- 744EX, 755TU, 740EQ, Goal Score: 775 by (06/2020)
Buisness CC- Amex Amazon Prime Biz 3500
Amex SimplyCash Plus® -1300-
Amex Blue Business Plus Card -6700
Personal CC's HILTON HONORS
Cap1 Venture-VS-5000
Sams Club MC-4500
Citi® / AAdvantage® Platinum Select® WEMC-9000CL, Citi rewards+(wmc)(5400sl-6900cl
American Express® Rose Gold
1st Disco It- 2000 , 2nd Disco it- 2000SL-4000-4500CL
Dcu-3000-
12/18 Amazon SC- 500-2500-6000--10,000 cl AND-Walmart SC-250sl-1000-5000-6000cl, Home depot- 500sl-2000cl-
-dcu2.74 Auto loan(50% paid off)
Goal score 800



Message 10 of 18
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