authorized user on someoneelses credit card and fico

blak6764 · Joined: 04 Feb 2008 Posts: 10 5.53 Dollars($)

My fico dropped significantly after my mother forgot to pay her bill for 60 days.

But i am only authorized user and she is primary cardholder.
Transunion put it on my credit report.
Do i have a good reason for a dispute?
thanks andre

banker0679 · Posted: Mon Oct 20, 2008 5:59 pm Post subject:

Hi blak6764 and welcome to MortgageFit!

They may give you a hard time to remove it from your credit report. They will ask you to show proof that it's not your card even though it may say AU - Authorized User on the account.

The only way to take it off is to have the company remove your name off the credit card, then you can dispute it. Otherwise they will give you a really hard time to take it off.

Please let us know how everything goes!

Thanks
Robert

smithsussane · Posted: Mon Oct 20, 2008 8:26 pm Post subject:

Hi blak!

I think you should follow banker's opinion in this regard. You should first let the company take off your name from the credit card and then go for a dispute. Hope everything goes well.

Feel free to ask if you have further queries.

Sussane

Caron

I agree with banker and sussane. Well blak, you'd have to talk to the credit card company such that they remove you as an authorized user from the shared credit card account. In case you’d like to remove old authorized user records from your credit report, you’d have to dispute them with the CRAs.

Usually, if there's a late payment or if the card is maxed out, removing it from the credit score calculation helps improve the credit score of the authorized user.

Good luck

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