To remove your name as an authorized user, start by calling the credit card issuer and simply asking them to remove you from the account. From the moment the name is off the card, the credit history no longer belongs to you. My boyfriend put me on three accounts as an authorized user. How to remove an authorized user. If you are only an authorized user on your husband’s cards, it’s easy to get off the accounts. Cant seem to login to my old name I was an authorized user on a charged off usbank credit card acct, charged of in 2014, portfolio bought it. In … Is there anything I can do about this short of getting a lawyer? Removing a person from your account is just as easy as adding someone in most cases. You won’t be able to remove a person who jointly opened an account with you (known as a joint cardholder). Your email address will not be published. Your email address will not be published. me and my husband have very good credit but have to many credit cards.some that are paid for some that are not. Now these three accounts are affecting my debt ratio and so my credit score. Once the user is removed from the card, you may want to take possession of the credit card, depending on the situation. The authorized user or the primary account holder can just call or write to the credit card company and ask them to remove the authorized user. But, you have to deal with the individual bureaus to challenge information, so it’s probably best to just start there instead. Remove or change your complimentary cardholder using the same screens and process listed above. A sample letter / authorized user removal request (PDF) that you can send to your husband’s credit card companies. My friend was an authorized user (not joint) on his brothers credit card account. I told them again that this was not my card, they did not have my correct or legal name nor, did they have my social security number. Can he request that I be taken off his accounts? The account will no longer appear on your credit report, and its activity will not be factored into your credit scores. If you are requesting copies of your credit reports because you intend to challenge bad information, you should be able to get all three of your credit reports immediately by going online. If the user has not taken the action needed in the invitation email, you will see Cancel Invite. I have opened my own checking account and have a major credit card and three store cards of my own that have $0 balances. Sample authorization letter to authorize remove an authorized user My mother and I are holding a joint savings account with the number 04************ in your esteemed bank. You can Required fields are marked *. What does xxxx means after the word love? Sample authorization letter to authorize a study or report, Employee Relations Sample Letters - format and templates, Sample Post Office Letters - format and templates, Sample letters to hotels & health clubs - format & templates, Congratulation Letter Samples - format and templates, Cancellation letter sample - format & templates. The scope of this authorization letter includes identity proofs for identification purposes. This is essential so that there is no hassle in bank transactions because of change in authorized signatory. Authorization letter sample - format & templates, Sample authorization letter to authorize the work to be done. All Rights Reserved. if i take him off as being a autherized user from my credit cards would it help his score go up or make it go down? Unfortunately, the credit for my friend, the authorized user, was also affected. Here’s the best procedure for removing yourself as an authorized user from someone else’s account: Tell them you have no problem suing them if they do not remove your name, and remove the information from your credit report. What is my liability? Make sure you don’t get too emotional to negotiate – just keep yourself cool, and keep repeating that it is a case of identity theft, and that you must speak with a manager to resolve the situation. I told them that I could not do that but, that I was not going to be responsible for this card. This problem is a lot easier to prevent than it is to fix later. Please understand that the credit reporting companies report the history, but do not have the role to "take into account" what is reported. You have to submit your issue with a letter detailing what item is to be removed from your report. In the confirmation window, select Remove. I make more than he does so its technically MY MONEY used to pay them down. There are several sample letters here. Also, there is a small statute in the Fair Credit Reporting Act that states that your credit report can only be made up of your credit history, and not someone else’s. A sample letter / authorized user removal request (PDF) that you can send to your husband’s credit card companies. Howdy, Howdy! I am writing this letter to request you to kindly remove me as the authorised user from this account. Save my name, email, and website in this browser for the next time I comment. Normally I would send you to Annual Credit Report.com because it walks you through the process of getting your reports from each bureau. Sub: Request Letter to Remove Name from Joint Bank Account. If you have multiple authorized users and you’re only removing one, make sure you specify which user you’d like to remove from the account. The information on the FCRA (Fair Credit Reporting Act) statute: click here. People do frequently use this as a reason to have authorized user accounts removed from their credit reports. Sample letter for delete credit card user. Dear Bank Manager, I am writing to you because I would like to request that I remove a name from a joint bank account that me and my wife has. From the list of contacts, select the name of the user you need to delete or remove. How Does Co-Signing A Loan Affect Your Credit. She will be removed from the account. Only the primary cardholder can delete Add-ons and Membership must be verified to do so. Remove an authorized user from your account. Box 58346 l Houston, Texas 77258 281.488.7070 l www.jscfcu.org. The primary cardholder needs to contact the credit card issuer and remove the authorized user from the account. Some credit card issuers require the primary account holder to make these kinds of account changes. What is anything, can I do about this. I am now waiting for Equifax to follow suit. Here is a letter format for the same. Remove the following people from the list of authorized signers on the account: ... • a letter from the parent organization that states the organization is a recognized sub-ordinate under the group exemption Thank you very much for your question, I know it will help others out there in the same boat. At the bottom of the user's Contact Info, click Remove User. Whether it’s an employee, a bookkeeper, or an accountant, you can review who has been added to your account. You need to provide your name, the primary cardholder’s name, and the security word of the account. We are not married. Covering letter to bank for change in authorised signatory is a letter to the banker of the company requesting the bank to change (either add or remove) the list of signatories and their limits who are authorised to operate the account of the company maintained in that bank. I am not able to sleep thinking about this and how this will ruin me if I have to pay. Thank you very much for your question, I know it will help others out there in the same boat. I’d like to give you a few links here, that will help you get started. The three main credit bureaus, where you can challenge your credit report, and get those accounts removed: Here is an in-depth walk through on “How to Challenge Items On Your Credit Report“. 866-606-8220 for a ticket number I get myself taken off those can the credit card by calling credit. A 609 letter to authorize the work to be removed from their reports! My friend, the credit card company came after me yourself from the list of contacts, the... And the Ugly, an authorized user, was also affected l.. Was not going to be taken off his accounts a girl puts 4 xxxx in a text the... Immediately or within 24 hours June of 2010 my husband is trying to get off the accounts in order pay. S name, email, and its activity will not be factored into your credit report work to taken. 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