Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
khrizkat

0 Contributions
0 People Helped
Authorized user in three credit cards
I am a add on for three major credit cards but they pay them late and is about 96% to 99% charged up. Would it affect me being that I have little credit to ask to be taken off the cards or should I wait until it gets paid off? I only have 1 dept store card that is 20% used and I keep the balance owed low. I am not sure what to do to establish a strong score..

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
179 Contributions
334 People Helped
Most Helpful Response

Good News for you

Helpful to 6 out of 7 people

The good news is this..... You don’t have to be on their card. 

You can contact the primary (the main person on the card) and ask them to remove you from the account.  Or in some cases you can contact the creditor directly and ask that they cancel your authorization and remove the account from your credit reports.  Once you are removed as an authorized user, the account will fall off your credit report in a short amount of time. 

UNDERSTAND that this method only works for authorized users, and NOT joint account holders.  Joint account holders are equally responsible for the debt; and authorized users are allowed to charge items to the card, but are not legally responsible for the debt.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.