How can you have an unlawful eviction remove from credit report?

How to be removed from being a authorized user -closed account/remove this from yoru credit report?

• yesterday I obtained a copy of my credit report and there are 2 things on it that I want to remove. ILL EXPLAIN-in hopes for better answers...LOL In 2006 My grandmother got a Chase credit card with a $500 credit limit. She made me an authorized user just incase she needed me to pick things up for her ect...Well it shows on my credit report that the account is closed, and the balance is $984 (in 2007) I have no idea how she managed that one LOL but I want this off of my report none the less beings it's not my card nor my debt. I think i used the card once...to buy lunch one day at work because i forgot my cash at home. Since the account is closed is it possible to have it removed from my credit report and/or have my name removed from the account in general so it is not attatched to me in any way? ALSO, I was married in Jan 2009 and divorced in Oct 2011...On my credit report it shows a Bank of America credit card with me listed as an authorized user. The balance owed is $782 with a credit limit of $600. However, I NEVER knew he had a bank of america credit card. It says the account was opened in 2007 (before we were married) so i am assuming he added me sometime after we were married in case of who knows what, that i would need to use the card. But again I NEVER KNEW HE HAD A CREDIT CARD FROM BANK OF AMERICA. We did have an account together. That account was closed in Oct of 2011 shortly after the divorce was final. Soooooo, how would i go about removing my name from these accounts and having these accounts removed from my credit report. Thanks in advance for any real advice not smart comments :P

• Answer:

  I recently learned I was an authorized user on one of my mothers cards that had been charged off. After a little research I found out that as an authorized user I had no legal responsibility to repay the debt and I was not liable for they account. It only showed up on my Transunion and Experian reports so I went online to there websites and disputed the account. On Transunion I was able to write a message and I basically said - I would like this item Deleted. Because I am listed as an authorized user on this account, I have no contractual responsibility for payment of the debt, and I am not liable for this account. Within 24 hours I got an email from Transunion saying they deleted the account and when I pulled my credit report it was gone. Equifax didn't allow me to write them anything on there site. I checked a box, something about not being responsible for the account. They emailed me back after a few weeks saying they deleted the account, I checked my credit report and it had been deleted. I don't know about Experian because the charge off never reported there so I didnt have to dispute it with them, but I'm sure it would work the same. I hope this helps. Good Luck!