With the new FICO credit score, will a closed charged-off account as a authorized user affect my rating?

I just found out from my credit report that I am unknowingly an authorized user on my parent's account, which has been closed by credit grantor and charged off since 2006. Will this have adversely affect my credit score with the new FICO 08 score? And how can I get myself removed as an authorized user from this account?

Public Comments

1. In my experience no. Dispute the account with the credit bureaus. You'll see.
2. You can use credit repair agency to fix your credit - for example this one - http://creditreport.fateback.com - They can clean lots of bad stuff from your credit report - and do it much faster than yourself, so your credit will go up fast.
3. If it is listed on your report, it impacts your score... That said, an account for which you were simply an "authorized user" should not appear on your credit report to begin with... Check these guys out... no one is better at helping people with JUST this type of issue... http://www.omegacreditrepair.com/ocracsexamples.html I hope this helps!!!
4. Hello, I am a Legal Assistant, and I do a lot of research on credit repair and raising credit scores, here are some great tips on how to raise your credit score: Step One: Use credit cards! But make sure you make payments on time. Having a credit card looks better than not having one to lenders, but only if you pay them off. Not having a credit card means that your ability to pay back loans is a mystery. This means they have no idea because it has not been recorded in your credit report. Step Two: Keep balances low. Taking your credit card to its max will only make it harder to pay off, and in return make interest rates higher as well as considerably lower your credit score. Pay the bills as they go, and use your credit card only when you can pay back your debt. Step Three: Pay your bills before they are due. This looks great to someone that wants to lend you money, right? They will never have to worry that you will not pay your loan if they see that every month your bills are paid on time in full. Your credit score can be raised significantly in only one month with this method. Step Four: Do not sign up for more credit cards than you need. Not only is there the possibility of hidden charges and fees for not using the credit cards that were unnecessary, but they can also damage your credit score. Also, your account age will decrease, which hurts all of the hard work you put into building up credit cards you really need. Stick with what you can manage and what you can pay off. Step Five: A closed account does not just disappear. Make sure that there are no payments left with the account before it is closed. Chopping up a credit card makes it no longer usable – but the debt is still there. >> Also, if you'd like a free consultation, you can send me a private message and I can offer you more information on how to clean up your credit report legally at a very low cost if you have any inaccuracies or misinformation on your credit report. << Thanks