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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.
What else can I help you with?
Remove your daughter from your credit cards?
Call the credit card companies and tell them that you want her removed as an authorized user from your card.
How can an authorized user on a credit card become the primary user?
An authorized user on a credit card can become the primary user by requesting the primary account holder to transfer the account to their name. This usually involves contacting the credit card issuer to discuss the process, which may include a credit check and approval based on the authorized user's creditworthiness. Once approved, the authorized user will assume full responsibility for the account, including payment obligations. The primary account holder may also need to remove themselves from the account during this transition.
How do you remove bad credit from credit report?
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
If you have joint credit cards with a spouse who is running them up can you remove yourself from the cards and only be liable for what was on the card prior to removing yourself?
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.
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
Remove your daughter from your credit cards?
Call the credit card companies and tell them that you want her removed as an authorized user from your card.
What can you do if a credit card on which you were an authorized user is showing up as a charge off on your credit report?
Authorized users are not legally responsible for debt. Contact the crediting bureau and despute the item (explaining the circumstances.) They have to remove it!
How do you erase credit pulls?
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.
How do I remove myself as an authorized user on a credit card?
Contact the credit card company. Usually they will close that account completely and move to a new card for the remaining member.
When asked must credit card companies remove you as an authorized user from an account even without the consent of the primary card-holder?
Credit card companies are usually responsive ONLY to the primary card holder. They generally will not speak to, or honor requests from authorized users.
How can an authorized user on a credit card become the primary user?
An authorized user on a credit card can become the primary user by requesting the primary account holder to transfer the account to their name. This usually involves contacting the credit card issuer to discuss the process, which may include a credit check and approval based on the authorized user's creditworthiness. Once approved, the authorized user will assume full responsibility for the account, including payment obligations. The primary account holder may also need to remove themselves from the account during this transition.
How do you remove bad credit from credit report?
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
How do you remove late payments from a credit report?
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.
If you have joint credit cards with a spouse who is running them up can you remove yourself from the cards and only be liable for what was on the card prior to removing yourself?
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.
If you were an authorized user on your deceased husband's account and have disputed an item what do you do if they will not remove it from your credit?
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.
Can a collection agency remove debt from my credit report?
No, a collection agency cannot remove debt from your credit report. Only the credit bureaus or the original creditor can remove the debt from your credit report.
What is the word that is used when you remove yourself from an issue?
To remove yourself from an issue is to recuse yourself.
