What happen when you undo a bank joint account?

[Anonymous]

What happen when you undo a bank joint account? I don't have much credit, but I am building it. We have a joint account. I wonder what would happen if we undo it? Especialy on my credit report?

[AllZero]

I'm guessing it will not have an effect on your credit report?

[Anonymous]

@Anonymous There is no undoing a joint account, all you can do is close it.

regardless bank accounts aren't on your credit report.

[joltdude]

Actually some CU's will allow you to break a joint credit card... but it usually means an HP....similar to taking someone off a cellphone account.... and requiring a high enough score to basically re-apply in your name only..... 

-J

[Anonymous]

@joltdude Yeah they close it and open a new one in your name, right? Or does it keep the history?

But OP asked about a bank account.  At a credit union it might be possible to remove a secondary from a checking account, but I doubt that at a bank. And I doubt you can remove a joint from a credit card from a bank either, I've tried unsuccessfully. 

[Anonymous]

Thanks for your answers. The account before was a single person account that we transformed into a joint. I wonder what would happen to the FICO score.

[FlaDude]

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@Anonymous wrote:

Thanks for your answers. The account before was a single person account that we transformed into a joint. I wonder what would happen to the FICO score.

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As already mentioned above, bank accounts are not a direct factor in FICO scores. If you get an HP related to a bank account, that would have a (probably small) negative effect for up to 1 year.