A question about authorized user on my credit card

[myfreshstart]

I am in the planning stages of ch 7 for myself from cc debt that was incurred in my name only for a business that failed. The only other debts are mortgage (joint) and car (husband only). I am in the process of setting up attorney consults and plan on filing in July.

I have my husband as an authorized user on one of the credits cards. I pulled his credit report yesterday and it is being report on his credit report. Which is fine because we are current so it looks great now. However, I am getting ready to be faced with not be able to make these payments in the next couple of months.

I will call today and have him removed as an authorized user.

My questions:

Will having him removed take care of the issue of negatives being report on him?

Or do I need to have him try to have it all removed? Is that even possible?

If I have him removed today and miss my March payments, does anyone know if that will still get reported to him?

I have tried searching for these answers and have not had much luck.

Thank you!

[myfreshstart]

Hmmmmm...any takers that have any experience or knowlege?

[jcooper]

I wish I could offer some advice. But I'm in the same boat so I'm watching this thread to see what kind of responses you get. Best of Luck (for both of us)!

[SunshineGal]

When you call to remove, ask about the credit reports. I was told by all the creditors that once I was removed it would no longer report. I also asked for confirmation letters, still waiting from one lender. I pulled 90 days later and so far so good.

[Dst1]

I will call today and have him removed as an authorized user.

My questions:

Will having him removed take care of the issue of negatives being report on him?

Or do I need to have him try to have it all removed? Is that even possible?

If I have him removed today and miss my March payments, does anyone know if that will still get reported to him?

I have tried searching for these answers and have not had much luck.

Thank you!

(1) it should...
(2) No
(3) Most likely. It depends on the creditors reporting cycle.