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In general, those becoming "authorized users" will not have changes made to their credit report unless (1) they become an authorized user of a company card and that company requires employees to take personal responsibility for charges or (2) they become a joint account holder, making them responsible for all charges.

So, if one falls into one of the above camps, the time varies based on the frequency with which the issuer chooses to inform the credit bureaus. Because "authorized user" status does NOT change the liability of the account holder, these types of credit report transactions are not priorities and may take place a few times per year.

Wait three (3) months and re-review your credit reports. If the "authorized user" does not disappear, dispute the tradeline with the appropriate credit bureau.

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Q: When will being removed as an authorized user show up on your credit report?
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How can you get your chapter 7 bankruptcy off your credit report?

It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.


How long after an authorized user can you get your own credit card?

Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score. If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.


Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?

If you were only an authorized user and not a joint account holder, you should never be responsible for the primary account holder's debt.


Can a foreclosure be removed from your credit report?

Foreclosures can be removed from your credit report like any other negative item. You must dispute it to the credit bureaus. The credit bureaus will have 30 days to verify the foreclosure or it must be removed from your credit report. With the higher amount of foreclosures lately you have a better chance of it being removed. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Foreclosure from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "foreclosure account" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The bank that held your mortgage may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.


If your bankruptcy is going to be removed how many points will your credit score go up?

If you have disputed to have the bankruptcy removed in your dispute letter request your free credit report to be sent to you with the updated information. When a CRA corrects information on your credit report they have to send you a free copy of your credit report showing the updated information. This of course is if you had to dispute to get it removed if it just rolls off on its own you may have to pay for your credit report if you've already gotten your free yaerly report. That depends on a lot of factors. Your credit score is calculated using certain formulas and factors, such as amount of total credit versus credit being used, number of accounts, payment history of current accounts, etc. You're best bet is to obtain your score after you think the bankruptcy has been removed. You'll probably have to pay for it, but it's worth peace of mind.

Related questions

How can you get your chapter 7 bankruptcy off your credit report?

It should rotate off of your credit report about 7 years after being discharged. It cannot be removed.


If a person has been added as an authorized user in the past on a credit card and the primary card holder has requested they be removed as an authorized user will the account discontinue being reporte?

Yes


How long after an authorized user can you get your own credit card?

Being an authorized user no longer has an impact on your credit score like it used to. In the past, you were able to be added as an authorized user on a credit card, and all of the credit history and credit limit would be reported on your credit report as if it was your credit effectively obtaining unearned credit for the authorized individual. A few years ago the credit reporting industry changed, and no longer recognize an authorized user as credit responsible and therefore it has little to no impact on your credit score. If you would like to obtain credit from this card, contact the card issuer and request to be added as a joint user. If you are jointly responsible for the credit, it will report to the bureaus and impact your score. Approval is still required, but it is typically easier to be approved when you are already and authorized user on a card.


Can you be responsible for the primary user credit card charges even when you were removed from being an authorized user?

If you were only an authorized user and not a joint account holder, you should never be responsible for the primary account holder's debt.


Can a foreclosure be removed from your credit report?

Foreclosures can be removed from your credit report like any other negative item. You must dispute it to the credit bureaus. The credit bureaus will have 30 days to verify the foreclosure or it must be removed from your credit report. With the higher amount of foreclosures lately you have a better chance of it being removed. UPDATE: Actually, you can force Equifax, Experian and TransUnion to remove a Foreclosure from your credit report and you can do it legally using a federal law that is in place. Credit Bureaus MUST have "verifiable proof" of the "foreclosure account" in their files if they are going to report the negative item on your report. The dirty little secret the credit bureaus don't want you to know is that they do not have any "verifiable proof" in their files for any of the negative items on your credit report. The bank that held your mortgage may have this information on file but the credit bureaus don't. If you request the credit bureau to provide you with the "verifiable proof" that they have in their files they will remove the negative from your file.


How do you get judgments that are paid removed?

Judgments will stay on your credit report for up to 7 years whether paid or not. You can dispute your judgments to the credit bureaus by sending dispute letters to each of the credit bureaus. The credit bureaus will have to investigate the items and if they are paid they have a greater chance of being removed.


How do I remove a collection item on my credit report that was disputed but not removed?

Only the collection agency or the credit bureaus can remove a collection off a credit report. You can negotiate the removal of the collection off the credit report upon final payment of the debt owed. Some collection agencies have policies against this, some don't. You can also redispute it to the credit bureaus as many times as they will let you. It has a higher chance of being removed if it is paid off and an older account.


If a person is totally disabled how can the 7 year statute of limitations be removed from the credit report?

Being disabled does not exempt a person from FRCA laws.


If your bankruptcy is going to be removed how many points will your credit score go up?

If you have disputed to have the bankruptcy removed in your dispute letter request your free credit report to be sent to you with the updated information. When a CRA corrects information on your credit report they have to send you a free copy of your credit report showing the updated information. This of course is if you had to dispute to get it removed if it just rolls off on its own you may have to pay for your credit report if you've already gotten your free yaerly report. That depends on a lot of factors. Your credit score is calculated using certain formulas and factors, such as amount of total credit versus credit being used, number of accounts, payment history of current accounts, etc. You're best bet is to obtain your score after you think the bankruptcy has been removed. You'll probably have to pay for it, but it's worth peace of mind.


Is there a way to get bankruptcies and foreclosures off of credit reports?

You can attempt to have this information removed from your file just like you would any other derogatory information. You should be aware that legal items are verified prior to being placed on your credit report, have different standards of verification and (unless they are on your report in error) usually are not removed.


Does being denied for credit lower your credit score?

Yes. It is reported on your credit report.


Will being an authorized user on your moms discover card help your credit score?

No.