I'm a newbie with the whole credit report system. Really. I was added as an authorized user to my parent's credit card, but then decided to be removed (even though my parent was not delinquent or anything). It wasn't helping my credit score and I didn't want to deal with it.
I would like that account to be erased from my three credit reports. The bank said they would notify the credit bureaus that I was removed, and said that the credit bureaus should remove the info off my credit report.
So, what will that look like? Will it show that I once had a credit card, but then the account was deleted? Or will it be like it never happened? In other words, will this incident of two weeks of me being an authorized user be recorded in my credit report history as those two weeks, or will it just disappear?
My other accounts show a monthly history on my credit report...I really wouldn't like there to be a notice that for such and such month, I had a credit card (was an authorized user) and then that was deleted. I would just like for it to be gone altogether.
Thanks for being nice! I'm so new to this.
It's just that I didn't like the fact that if my parent went delinquent, it would show up as a negative account on my credit report.
I would rather have my credit be wholly my own.
Well, what's done is done. I just don't know what my credit report will look like after the account is deleted. Does a record remain of the account on my report, that it was deleted or something?