Find out if you can be removed from the credit card
Every card company has a different removal process. This can also change depending whether you co-signed the credit card application, or if you are just a user on the card.
If you co-signed the application for the credit card, it can be difficult to get your name removed without cancelling the credit card and paying off the . Some companies may let you transfer the balance, but each company is different.
If you're a second user of your partner's credit card and you want to take your name off the account, call the credit card company to find out what you have to do.
If you were liable for any charges on the card, you will still have to pay any charges made to the account before you were removed.
Once you are removed, the card's will eventually disappear from your . If the card is negatively affecting your , it's a good idea to check your credit report to make sure it does not include that credit card. You can get a free copy of your credit report from consumer reporting agencies.
Consumer reporting agencies prepare credit reports. These businesses must register with the Ontario government. TransUnion and Equifax are the two main consumer reporting agencies in Canada.
