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Question By
Struelove815

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If I'm just an authorized user on my husbands cards, why is it on my credit report?
If my husband removes me, how long will it take to come off of my credit report?

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Authorized user is NOT a Joint user

Helpful to 1 out of 2 people

Authorized users will drop the item with-in 5 to 45 days.

In an answer to a similar question listed on the Experian website by an Experian Team Member......

"Any account that is listed on your credit report could factor in to your credit scores. While most scoring systems incorporate authorized user accounts into the calculation some may not weight them as strongly because the authorized user has no responsibility for repayment of the debt.

However, an authorized user account can be a great first step in establishing a credit report if you can be added to an account that is always paid as agreed.

Since you are not responsible for payments on the account as an authorized user, you can request the account be removed from your report if there is negative information in the payment history, such as late payments. You lose the history, but you avoid having a negative credit reference. That makes becoming an authorized user a fairly risk free way to establish a credit a credit history and begin building a positive payment record."

In addition to that answer, there is also the law that says a company will violate provisions of the FDCPA by implying that the legal status of the debt is collectible simply by reporting the alleged debt to the credit bureaus after you reported the closure. The exact statute:

[15 USC 1692e]
(2) The false representation of --

(A)  the legal status of the alleged debt

If the item fails to fall off on its own after about 3 months, you may dispute the item for removal.

Hope this helps, and please thumbs up if it does.

Top Contributor
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Because there is a card with your name

Helpful to 1 out of 3 people

If your husband removes you from the card, the account will still appear on your report as a closed account (that will lower your score) until if falls off after 7 years. 

Unless the account is behind in payments, there is no need to take it off your report. It's actually helping your score by adding to your "available credit".

Good luck

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Reply by
NunnyaBusines

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Helpful to 1 out of 2 people

not true.... that would be a joint user; not an authorized user.

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