So I checked my credit score last year and it was 660, checked it again this year and it raised by 2 meesly points. Looked further into my fico report and I saw a mysterious wells fargo account that I owed $2400 in! I ended up finding out that my mom opened a credit card with me as a cosigner without my consent! I contacted wells fargo and they took me off the account "effective immediately". So I have one question: would this "fix" my credit score to what its supposed to be overnight?
What you may want to do is ask Wells Fargo how long it will take for them to request that the tradeline be removed from reporting on your credit report... If it goes on longer than 15 days, then file a direct dispute with each Credit Bureau reporting the information as "Not Mine"