Unfortunately, while many expect adding an authorized user to a credit account will boost the added person's credit worthiness or access to capital, this procedure often damages the authorized user's credit. In the event the account holder defaults, the authorized user will incur the derogatory payment history, default or bankruptcy on his credit report.

Contact Creditor

Call the creditor and remove the authorized user from your account. Ask that the creditor discontinue reporting your payment history on the authorized user's credit report for all three credit bureaus. If recent derogatory items exist, you may be able to persuade them to remove those items from the authorized user's credit report depending on your relationship with the credit issuer.

Contact Credit Bureau

Call or write the three major credit bureaus--Equifax, Experian and TransUnion--to alert them of the changes to your credit account and explain that you are solely responsible for the credit balance. You may request that the credit bureau remove the account from the authorized user's account, but it is more effective if the authorized user disputes any derogatory payment histories or high balances related to your account.

Follow Up

When your credit report and credit statement are both updated the following month, double check that your requested changes were made. If the authorized user is in the middle of a dispute, be prepared to write a letter on her behalf identifying yourself as the responsible party for the debt repayment.

Source:

Experian: Authorized user accounts can be removed from report upon request Q&A

Bankrate.com: Repair Credit Score in 2 Steps; Don Taylor

Resource:

Equifax: How can I dispute inaccuracies on my Equifax Credit Report?

Experian: How to Dispute Credit Reports Online

TransUnion: Credit Disputes