MilesForTwo

Removing Chase AU from Credit Report

This is something I’ve been meaning to do for the past few months, but finally got around to it a couple nights ago. When I got my Chase Sapphire Preferred back in summer of 2015, I added my then fiance as an authorized user to get the 5,000 UR point bonus.

Fast forward a year, my wife has her own Chase Sapphire Preferred card and no longer needs to be an authorized user on my card. I cancelled the AU card back in February or March 2016, which was as easy as sending a secure message from my account. However, the account still showed up on her credit reports.

Here are the reasons I wanted it removed from her report:

  • The authorized user account effectively lowers her average age of accounts on her credit report since she has a card with US Bank from 2013.
  • This authorized user account would count against the Chase 5/24 rule.
  • For some reason, the card stopped reporting payment history back in December so it wasn’t really building her credit either.

I went ahead and messaged Chase from my wife’s account. Basically noting that she was an authorized user on her husband’s credit card account. I also stated that the authorized user account was closed a few months ago. Then in the last sentence I requested that the account be removed from her credit report. The next day I received this response:

ChaseAUmessage

Well that was easy. I don’t know why it took me so long to do this, but now this puts my wife at 3 cards in the past 24 months. She isn’t a fan of having multiple credit cards so I’ll use her account to get all the Chase cards that are currently under 5/24. Maybe even to renew our Companion Pass for 2018-2019.

Update 8/4/16: Checked my wife’s credit report on Credit Karma and noticed this beautiful update:

ChaseAUremoved

Her credit score also went up a little probably due to the fact that removing this account increased her average age of accounts.