authorized user's macy's card showing now on report after 6months of closing .. what to do ?

[Anonymous]

Hi,

          I was an authorized user on my wife's macy's store rewards card. To my best info macy's never used to report authorized user's to the credit bureaus. 

Well 6  months back my wife closed that card for both of us. Recently when i checked my credit report i found another new account showing on my credit report and I was shocked to see that my wife's closed macy's account (where i was an authorized user ) on my credit report.  How come its there now ?

         One more thing while that account is closed its still showing OK payment status to bureaus every month. My question is what should i do with this account ?

Do i need to dispute it as closed account ? If yes would it be fine to do so ?

And my wife has 2 more closed accounts with Closed status but payment showing OK every month. Should she dispute them as closed as well ?

Please suggest.

Regards

[Anonymous]

any thoughts ?????????????????????

[Anonymous]

Dispute it and let them know you are not responsible for this account and they will remove it!! Good luck

[Booner72]

Why do you want it gone since it is showing good payment?  How can this hurt you?  If hurting then yes dispute as "not mine" but if it is goodstanding why don't you leave it?

[kjm79]

Closed accounts continue to report.  If they are listed as OPEN and they are closed you can dispute the open status. 

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@Booner72 wrote:

Why do you want it gone since it is showing good payment?  How can this hurt you?  If hurting then yes dispute as "not mine" but if it is goodstanding why don't you leave it?

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+1  If there is no negative history associated with the card and it doesn't lower your AAoA, leave it be.