How to Get a Name Off a Credit Card

Adding someone's name to your credit card as an authorized user can help this person establish his own credit history. The person could be your child or spouse. This credit card account appears on your credit report and the other person's as well. You can call a credit card company to add someone's name to the account, but if you want to remove someone's name from the credit card, you need to follow specific steps.

Instructions

1

Contact your credit card company for specifics. Credit card companies vary, and some may not remove an authorized user if you're past due on the account.

2

Draft a letter stating that you want to remove a name from the credit card account. Include your name, address, Social Security number and account number in the letter. Next, include the personal information of the authorized user you want removed from the credit card account -- name and Social Security number.

3

Submit your request using certified mail. Certified mail includes a return receipt as proof that the credit card company received your written request. Keep a copy of your letter and the return receipt in your files. Contact the credit card company after a few days to confirm that it removed the person's name from the account.

4

Follow up with the credit bureaus. It can take up to one month for a credit card company to notify the bureaus, and the bureaus to remove the credit card account off the authorized user's report. This individual can check his report after 30 days to confirm the update.