“Dear Steve,
What laws allow an authorized user account to be removed?
I know being that their not respondsible for the debts and haven’t signed a contract legally the account has to be removed. But what law(s) force them to remove it?
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Brian”
Dear Brian,
I assume we are talking about a credit report issue here with an authorized user.
If you have removed the authorized user from the account, the creditor typically will update the credit report on the next cycle they dump data to the credit bureaus.
Typically this takes 30-60 days from the date you, as the account holder, first requests the authorized user to be removed. There is no need to “force” the creditor to remove it since they typically do this automatically when the authorized user is confirmed to have been removed by the authorized user/account holder.
Please post your responses and follow-up messages to me on this in the comments section below.
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The good news is that it will come off the credit once it comes off the card as an authorized user.
If the cardholder does not want to be cooperative and the card company says their hands are tied then I’d find a local attorney and have them write the credit card company. That should do it.
Steve,
What if a person intentionally put u on their credit card as an authorized user without ur permission, to intentionally ruin ur credit, and refuses to take u off? We’ve called the credit card company and their refusing to take her off the card, and refusing to take it off her credit!! Hw do we get this off?
Steve,
What if a person intentionally put u on their credit card as an authorized user without ur permission, to intentionally ruin ur credit, and refuses to take u off? We’ve called the credit card company and their refusing to take her off the card, and refusing to take it off her credit!! Hw do we get this off?
The good news is that it will come off the credit once it comes off the card as an authorized user.
If the cardholder does not want to be cooperative and the card company says their hands are tied then I’d find a local attorney and have them write the credit card company. That should do it.