as an authorized user and now I am not will I be able to get the credit cards/balances off my credit report??
2006-09-14 07:46:02 · 6 answers · asked by myproblem 1 in Business & Finance ➔ Credit
To clear up misinformation, authorized users can and do report on the AU's credit reports.
If you want to have it removed from your reports, "write" the bureaus and say that it is not yours or that you have never had this account in your name.
Both of those reasons are true reasons for an AU, so you would not be lying.
Since you said that you are not able to get them off, I don't know if you have already tried both of those reasons or not. If you had tried them and the account is sticking, you may have to write the original creditor and ask for verification that it is your account, if they cannot verify they must delete. Be sure to send that letter certified mail return receipt.
Depending on how old the account is or how good the account is, you will probably see a score drop when it comes off. How much of a drop would first depend on the age of the account and then if it is an account in good standing (no lates, low utilization)
If the account is not in good standing, lots of lates high utilization, then even if it is an older account, you may not see much of a score drop or may not even see a drop at all.
Sometimes, if the account is in bad standing, even if it is an older account, you may see a bit of a score increase. But that would depend on how many positive accounts that you already have reporting..
2006-09-14 08:46:00 · answer #1 · answered by echo 7 · 0⤊ 0⤋
Was the account a joint account or were you just an authorized user, because if thats the case, then you aren't legally responsible for the balances and it shouldn't be on your credit report to begin with. If it is, I would contact them immediately and have it disputed.
2006-09-14 14:53:41 · answer #2 · answered by Sandi A 4 · 0⤊ 0⤋
If you were ONLY an authorized user and NOT a joint account holder, yes. Dispute the information on all 3 bureaus and request deletion.
2006-09-14 16:31:41 · answer #3 · answered by Anonymous · 0⤊ 0⤋
An authorized user is not liable for the account, so you couldn't have gotten the information then either. You must be joint to get info.
No, you will not be able to get info. You can call and see, but I seriously doubt it unless you commit fraud and state that you are your mother and use her info. DO NOT DO THAT
2006-09-14 15:01:27 · answer #4 · answered by Anonymous · 0⤊ 0⤋
As long as you were once on there, I do not think that you can...
2006-09-15 00:07:49 · answer #5 · answered by I love the flipflops 5 · 0⤊ 0⤋
Probably not
2006-09-14 14:53:07 · answer #6 · answered by Jeep Driver 5 · 0⤊ 0⤋