I was an authorized user on a credit card that went into default. The card was sent to a CA. The CA, pulled a credit report and also reported the debt to TU as mine leaving a record of inquiry and a chargeoff on my TU file. They contacted me and I replied via phone and letter. I told them I was auth and I was not liable. They told me I was listed as joint. After they validated with the CC company, they and the CRA removed the chargeoff record. However, the inquiry remains. Can I have the inquiry removed as well? Should I even care?
