Removing authorized user accounts

Kcstreetracer · ‎12-22-2021

Hello, I currently starting to repair my credit. I have 2 credit cards that I am a authorized user on. They both have high utilization and lates. Am I able to get them removed from my credit report fairly easy?

Yasselife · ‎12-22-2021

@Kcstreetracer

Have you tried to contact the credit provider? I'd start from there and get informed directly from them. Should be easy to accomplish.

NRB525 · ‎12-22-2021

I would think first step is to contact the cardholders who have the cards, ask them to remove you from authorized user on their cards.

Try not to get into the discussion of how they can't keep utilization down and don't bring up the late payments.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Phana24 · ‎12-23-2021

@Kcstreetracer wrote:
Hello, I currently starting to repair my credit. I have 2 credit cards that I am a authorized user on. They both have high utilization and lates. Am I able to get them removed from my credit report fairly easy?

Yes, simply dispute the cards with all three CRAs noting that you're only an AU and not responsible for the account. TU and EX will respond rather quickly and EQ will manage to screw up a couple of additional reports before they get to it.