How to remove an authorized user account from your credit report?
Question: How to remove an authorized user account from your credit report?
Answer:
If you are the authorized user, there are two ways you can remove an authorized user account from your credit report. First, you can ask the credit card issuer to remove you from the account and also request that they stop reporting to the credit bureaus. Once you’re taken off the account, that account will no longer be included on your credit report.
It could take a month for the update to take place.
The second way to remove an authorized user account from your credit report is to dispute the account with the credit bureau. Use this as an alternate step if you can’t get the credit card issuer to remove you from the account.
If you are the primary account holder, you'll have a harder time getting the account removed from your credit report, even if the authorized user was the only one using the account. That's because it's your account, not the authorized user's. The credit bureaus have the right - and responsibility - to report accurate credit information. So, unless there's something wrong about the account listing, you'll probably have to live with any damage done.
Answer:
If you are the authorized user, there are two ways you can remove an authorized user account from your credit report. First, you can ask the credit card issuer to remove you from the account and also request that they stop reporting to the credit bureaus. Once you’re taken off the account, that account will no longer be included on your credit report.
It could take a month for the update to take place.
The second way to remove an authorized user account from your credit report is to dispute the account with the credit bureau. Use this as an alternate step if you can’t get the credit card issuer to remove you from the account.
If you are the primary account holder, you'll have a harder time getting the account removed from your credit report, even if the authorized user was the only one using the account. That's because it's your account, not the authorized user's. The credit bureaus have the right - and responsibility - to report accurate credit information. So, unless there's something wrong about the account listing, you'll probably have to live with any damage done.
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