Level 2

Timeline for a credit line to be removed

As a 25 year old, I had no credit as I’d lived on the “dont buy it unless you have cash for it” mentality. When ready to buy a house, I spent 2 years building credit. I was added as an authorized user on my parents Amex to help bump my score. Well, I’ve been a homeowner for over a year now and have been removed as an authorized user on the card. However, it still shows on my reports and affects my score because it looks like my debt to income ratio is very high. Do I need to file something to have it removed from my profile or will their spending continue to affect my credit score for a certain number of years?
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