Your score will only be affected if the account is past due/derogatory. Otherwise you may see an increase in your score due to debt/income ratio becoming smaller.
WHAT!?! to whomever answered this. An authorized user can use the account/card. They can also make payments to the account, but they are not required to make payments. These are the only things they can do. That being said, The Primary account holder is the responsible party. Anything that goes wrong or right with the account gets reported to the Primary's Credit and only the Primary's credit. Removing yourself as an authorized user, regardless of the status of the account, has NO effect on your credit score.
Call the credit card companies and tell them that you want her removed as an authorized user from your card.
You can do it yourself, either call the credit bureaus and dispute it or have them send your credit reports and it should be a section where you can send a written dispute and wait 45 days for the results, but this is a continuation, you must repeat the process
The person who is the Primary credit card holder is responsible for ALL the debt acquired on a credit card. If you are 50% / 50% on a credit card (rare), then you will be 50% responsible for any and all debt no matter when you stop using the credit card. Acquire the credit card in question, destory both by cutting/shredding and then cancel the card. IF your partner is the PRIMARY account holder then you MAY NOT WANT to destroy the card. You may be able to request from the credit card company to remove yourself BUT if that fails to be successful, then maybe the unknown loss of both cards would be a welcome calamity.
You can remove yourself from the account. Keep in mind that if it is a joint account you are still equably responsible for the debt incurred.
If you are a joint holder, no. You signed a contract that was legally binding. If you're an authorized user, then you can be removed. In fact, you don't legally even have to pay the debt.
Call the credit card companies and tell them that you want her removed as an authorized user from your card.
Authorized users are not legally responsible for debt. Contact the crediting bureau and despute the item (explaining the circumstances.) They have to remove it!
If the credit pulls were not authorized, write a letter to each of the bureaus that are reporting the inquiries, and let them know that they were not authorized. Legally, they should remove this information from your credit report if it is inaccurately reporting. If you did authorize the credit pulls, then this information will likely stay on your credit report for 1-3 years.
Contact the credit card company. Usually they will close that account completely and move to a new card for the remaining member.
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
You can do it yourself, either call the credit bureaus and dispute it or have them send your credit reports and it should be a section where you can send a written dispute and wait 45 days for the results, but this is a continuation, you must repeat the process
Credit bureaus and the original creditors have the power to remove late payments. You can contact the original creditor that posted the late payment and ask for them to remove it. They will probably only do this if you have had a good payment history with them. You can also send dispute letters to each of the credit bureaus asking for verification on your negative listings. You can do this yourself or hire credit repair company to do it for you.
They do this all the time. And they should not be allowed to get away with it. Authorized users cannot be held accountable for the debt. (Except spouses who reside in a community property state.) Check www.creditinfocenter.com, it has good information (and dispute letters) concerning CRA's.
The person who is the Primary credit card holder is responsible for ALL the debt acquired on a credit card. If you are 50% / 50% on a credit card (rare), then you will be 50% responsible for any and all debt no matter when you stop using the credit card. Acquire the credit card in question, destory both by cutting/shredding and then cancel the card. IF your partner is the PRIMARY account holder then you MAY NOT WANT to destroy the card. You may be able to request from the credit card company to remove yourself BUT if that fails to be successful, then maybe the unknown loss of both cards would be a welcome calamity.
To remove yourself from an issue is to recuse yourself.
You can remove yourself from the account. Keep in mind that if it is a joint account you are still equably responsible for the debt incurred.
The credit repair industry is regulated by the Credit Repair Organizations Act, which is an amendment/addition to the Consumer Credit Protection Act. There are many activies which are illegal under this statute. Why not read the text yourself at http://www.ftc.gov/os/statutes/croa/croa.htm It is always best to have an understanding of the laws yourself than to rely on someone else's opinion. NO it is NOT illegal to remove accurate information form ones credit file- if you read the NEW Fair credit and reporting act it clearly states " a credit reporting agency is not required to remove accurate information from a consumers file.." Notice it doesnt not say "CANT". it says "not required"