Can I get this account back on my credit report?
September 19, 2011 10:06 AM Subscribe
I accidentally removed an item from my credit report, and I want it back. Is this possible?
posted by anonymous to work & money (3 answers total) 1 user marked this as a favorite
I'm getting ready to buy a new car (my first!). So, I pulled my credit report to make sure everything was as it should be. I noticed that there was an account on the report that I had never heard of before, with a bank I have never used and had been opened when I was far too young to be doing any banking. So I submitted a dispute with the credit bureau.
After the fact, I was talking to my parents about the situation, and they reminded me that they had added me as an authorized user to one of their accounts last year. So the account in question was actually legitimate, and probably helping my credit score by giving me a longer credit history. Oops. The credit bureau has already removed the item from my report. I contacted their customer service to see if I could reverse the dispute, and they said that authorized users "don't have to be reported." But what if I want it reported? Is there a way to have this account re-added to my report? What do I need to do to accomplish this?