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Willow898

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How to get Authorized User off my Credit Report
My parent added me as an authorized user on their credit card. I do not want to be an authorized user. Nor do I like that it is showing up on my credit report.

How do I get it off both my credit report and off the account?

Do I need to contact the bank first, and then the credit bureaus? Or contact the credit bureaus first? I know that the bank will stop reporting me, but I don't want the account on my credit report in the first place.

Not sure the correct order to do this in.

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Authorized User

I think your parents have to contact the bank to remove you from the account since they are the primary account holders. I would do that first but keep in mind that it will reduce the number of open accounts you have and unless there is a problem with the account all having it there does is help you. I'm not sure the credit bureaus will remove it, I think they will move it to "closed accounts" and those remain on your report for 10 years. You can try. I would send them a letter explaining your rationale and see where it goes. Good luck.

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You can simply call up the credit card customer service line and ask them to remove you from the card.  A few days later, write letters to all three bureaus and tell them it is not your account.  It should disappear completely.

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