I was an authorized user on dh's BofA account, but I had him take me off since his utilization is about 70%. My EQ score immediately bounced up, but EX has not. On the creditexpert page, my total balance owed dropped by the amount of that Visa balance, but my utilization ratio didn't change at all. It's still listed on my report with the notation "not responsible" but it still seems to be calculated into my score?? I disputed it with EX and said it should be removed since I am not authorized user on the account, but it was verified in 3 days!! What to do from here?
Procedures request. Experian seems to be um very quick in verifying. They "verified" a JC Penney account on me in less than 24 hours.
