I have been working on improving my credit score for over 2.5 years now. Finally got it up to a 690 overall and was added as an authorized user on my spouse's card. Unfortunately - my spouse had thought they set up AUTOPAY with their chase card but it did not go thru - and it went without the minimum balance paid for 2 months. I checked on my credit score and it dropped 80 points on one of them (equifax) and over 60 on another (transunion). We are trying to get chase to remove it due to the technical glitch but they're not having it.
Since its technically my spouse's card and Im just an authorized user - can I have the credit reporting agencies remove the card in its entirety from my score so it doesnt affect me negatively OR positively?
Any help would be great - this was a huge blow for me!
More than 30 days past due on a cc im an authorized user
Contact with the credit reporting agencies and ask them. If required, consult with an attorney in this regard.