How To Remove Chase Authorized User Account From Your Credit Report?

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How To Remove Chase Authorized User Account From Your Credit Report?

From time to time, credit card company offers bonus points to add an authorized user to a credit card. The process to add an authorized user to a credit card is really simple and easy. However, the thing about being an authorized user on a credit card is that the credit card issuer does report that credit card as an open account to your credit report. 

Chase is one of the credit card issuers that allow adding an authorized user to a credit card, but they also report that to the credit bureau and thus you, as a an authorized user, will have that one additional card open on your credit report.

How To Remove Chase Authorized User Account From Your Credit Report?

Table of Contents  [show/hide]

    Does Chase Report Authorized Users?

    Yes. If you are an authorized user on a Chase credit card, Chase will report that credit card as an open account on your credit report. 

    Do Authorized User Cards Count Against Chase's 5/24 Rule?


    Chase has notorious 5/24 Rule when it comes to approving or denying a credit card application based on the amount of credit cards you open in the past 24 months. When you, an authorized user, submit a new Chase credit card application later on, Chase will pull your credit report. Chase cannot tell whether you are just an authorized user on an open credit card account that they see on your credit report. If Chase sees that you have 5 or more new credit card accounts in the past 24 months, Chase will not approve your new application. However, it is known that you can call Chase reconsideration line to explain so that they don't count that authorized user card against the 5 cards rule. 

    Related Post:


    How To Remove Chase Authorized User Credit Card Account From Your Credit Report?

    Chase makes it possible to request a credit card account be removed from your credit report. By default, when you are removed as an authorized user on a Chase credit card, that account does not get removed from your credit report automatically. 

    The primary card member can request Chase to remove you as an authorized user and then send a secured message to Chase online with the following instruction that is provided by Chase below. 

    Instruction on How to Remove Authorized User Account From Your Credit Report

    To remove the account from his/her credit report, please print
    this form and have [the individual name] complete and sign the
    form provided below. You may mail this to Cardmember
    Service, PO Box 15298 Wilmington, DE 19850-5298 or fax the
    information to 1-888-593-8302.

    Editor's Note: After the form is completed and signed, you can simply send a secured message to Chase and attach the form to the message. 

    Copy the following text to a word document. Fill it out and have the Authorized User sign it. Then send it back to Chase. 

    I am not a user on the account, and I hereby authorize the
    bank to delete this account from my credit report:

    Full Account Number: ________ - ________ - ________
    - ________

    Name To Be Removed: _____________________________________

    Social Security Number: _______ - ______ -__________

    Address:

    _______________________________________________

    _______________________________________________

    _______________________________________________


    Signature: _____________________________________________

    _______________________________________________


    That's it! That's all you have to do. Once the removal process is done, that credit card account will disappear from your credit report as an open account. 
    If you like this post, please share it!

    PL

    Posted by: PL

    Hello there! People call me PL and I am a points blogger. Obsessed with using points and miles to elevate travel experiences to explore the world. Enjoy finer things in life and good food. I have a day job, this points blog is mainly my hobby and my contribution back to the points community. If you enjoy reading this post, please help me share it! If you enjoy what you read here, please make sure you subscribe or follow this blog on social media so that you will be notified when there's a new blog's post. I thank you for reading this blog. Your support means a lot to me and it is what makes this blog's work worthwhile. If I can be of any help, you can contact me: thepointslife at gmail dot com

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