How will credit burreaus report the removal of an AU account

[jamesdwi]

i removed my self from a card I was an AU on the card kept posting with 70-90% UTL, I know it should update on the next time Cap1 reports, but how will myfico, CK and friends report the change, will it be a score bump for unknown reason since my overall UTL will go down and I won't have any cards over 60% UTL both things that are killing my score. I should of did it months ago, but I'm not a big fan of calling credit card companies, today I relized I could do it via chat, and it took less than 5 minutes rather painless.

[09Lexie]

Did you contact the CRAs and have yourself removed?

[guiness56]

It should either be removed entirely or it may say something like relationship terminated.

[jamesdwi]

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@09Lexie wrote:
Did you contact the CRAs and have yourself removed?

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I contacted Cap1, and had them remove it, yesterday, it should update in a month or so, since the card has a Balance on it and a lot of use, they will report when the statement cuts. No real rush, I have more UTL problems that need to work on, want my overall UTL below 15% before I AP  for CSP in January or February for the $400 after meeting the spend requirements and 2x points on restaurants and travel, also debating about Chase Amtrak card possibly taking the train 5 days a week next year and the points will be helpful.

[Revelate]

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@guiness56 wrote:

It should either be removed entirely or it may say something like relationship terminated.

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Isn't an Amex AU (ACM) the only one where the tradeline remains?  Vast majority AFAIK yank it off?

[guiness56]

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@Revelate wrote:

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@guiness56 wrote:

It should either be removed entirely or it may say something like relationship terminated.

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Isn't an Amex AU (ACM) the only one where the tradeline remains?  Vast majority AFAIK yank it off?

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Seems I may have seen another one that just put relationship terminated.  Not really sure.  I know in the reporting guide it says to put relationship terminated on AU accounts you want removed.

[JKXX]

I was removed from a few AU accounts 2-3 months ago. All are still showing. I filed a dispute with Experian to get them removed as my CR definitely didn't update on it's own.