Authorized Users

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6 posts
Techno4K
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Authorized Users

Postby Techno4K » Mon Jan 27, 2014 8:08 pm

I have a quesiton. I am currently an authorized user on my brother's Chase credit card account that he opened 2 months ago. If I call Chase and request to remove myself as an authorized user, will the account entry in my credit reports be automatically removed? If not, is it permanent or is there a way to remove it?

The reason is because I a FICO score of 783, and I want to increase my AAoA to boost up my score. Plus, he has only a low 5K limit so I don't want it on my credit report. Thanks


MemberSince99
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Postby MemberSince99 » Mon Jan 27, 2014 8:54 pm

If they've reported it then you might as well accept it's going to be there for 10 years, unless you can talk them into removing it which I highly doubt.


I guess since you don't need the 5k line in the first place, why did you become an AU on it?

Techno4K
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Postby Techno4K » Mon Jan 27, 2014 10:39 pm

MemberSince99 wrote:If they've reported it then you might as well accept it's going to be there for 10 years, unless you can talk them into removing it which I highly doubt.


I guess since you don't need the 5k line in the first place, why did you become an AU on it?



The reason is because I think Chase offered 5,000 additional bonus points if at least one authorized user is added.

After I requested to remove myself as an authorized user, if Chase won't remove the entry from my CR, can't I just dispute it as "Not my account" since it's technically true. Plus, the account is a positive account since he always pay in full each month so I don't think Chase is gonna fight the dispute.

Any experience or insight from anyone else?

MemberSince99
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Postby MemberSince99 » Mon Jan 27, 2014 10:47 pm

You can dispute it, and they will "verify" it by saying it was you, and it will stay, is how I envision that going. But you can try.


They don't have to fight it they just have to verify to the credit bureaus that it was your account and their information is valid, which it is. You'll be the one fighting to try to get it removed, and I don't see how you are going to pull that one off, but good luck and let us know if you figure something out. I'd love to find a way to get INVALID accounts removed - that can be a real struggle let alone something legit.

daniel2304
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Postby daniel2304 » Mon Jan 27, 2014 11:46 pm

It sounds wrong to me when you tried to dispute what you agreed to do at first place.
All my posts are my opinions. All my posts mentioned "you" are merely for discussion-purpose only. No advice is given in any post at any time. It is also impossible for me to put effort to verify every statement that anyone has given.

DONx3
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Postby DONx3 » Tue Jan 28, 2014 12:17 am

It will still be on your credit report.
Amex Blue Cash Everyday 07/01
Amex Starwood Preferred Guest 03/16, BD 01
BOA Cash Rewards Visa Sig 06/07
Chase Freedom Visa Sig 12/13
Chase Ink Plus Visa Sig 05/16
Chase Sapphire Preferred Visa Sig 07/13
Discover It 01/14
IHG Rewards Club World MC 12/14
Southwest Rapid Rewards Plus Visa Sig 08/16



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