Credit Reporting Agencies - Useless

I have been trying to clean up both my daughter's credit reports (I have PofA). My Bank of America account and Citibank account are listed on their reports. I've settled these accounts; however, they were listed as joint. They were never joint, only authorized users and that was 10 years ago.

I submitted disputes to the credit agencies and they came back as information verified. Just HOW do they investigate disputes?

If I write to both Bank of A and Citibank and ask for copy of application with their name, would this help? I remember putting them on as authorized users via telephone a decade ago.

If they cannot produce the application with their name, is that reason to have them delete the account from their reports?

Any suggestions?

Hmm, this is interesting to me because I thought I read somewhere recently that they do report to the bureaus for authorized users as well. Let me see if I can find anything.

I can see reporting on joint users. However, my daughters have never charged anything on these accounts, as they were put on for "emergency" use only when I was out of the country (in better times when I would go on vacation).

If they are not listed on the application, wherein lies their responsibility for the account?

guess I'll have to do some research when I get a chance.

I found this.

If you have a damaged credit rating because your authorized user status allowed negative information to be reported to your credit report, don't pay off the debt. You shouldn't pay it because you aren't obligated to pay it, even if you made purchases on the card, and paying it isn't going to improve your credit score one point. Instead, fight back and get that account erased completely from your credit report on the grounds that it is unfairly damaging your credit rating and in violation of the Fair Credit Reporting Act.

Thanks. I knew she wasn't responsible for paying it, and it doesn't make sense to have her credit penalized for my mistakes. So I will write to the OCs to have her taken off. I tried one time with Bank of America and was told they wouldn't take off authorized users until debt was repaid.

But now it's seriously impeding her ability to move to a more decent area.