" have been removed as an authorized user on the card"
That doesn't matter. The information remains on your credit report for anywhere from 3-10 years (generally 5 years for a credit card). It will not fall off your credit report until "AFTER" that particular account is closed. Once closed, if the issuer notifies the credit bureaus then it will be marked as "closed" on your credit report, and will remain on your credit report as such for at least three years generally.
Basically, I "think" the issuer can mark it on "your" credit report as closed. But I'm not sure. If the account is actually still open, there's nothing to keep the current authorized user(s) from adding you back as such.
If you have been removed as an Authorized User (AU) then Amex reports the "removal" to the bureaus. I was an AU on my wife's AmEx and Chase. I just checked my Experian File. The AmEx is still on my report in the Closed Account section and is marked terminated. The Chase card I was an AU on is TOTALLY DELETED from my Experian Report.
You mentioned Debt to Income (DTI). DTI only factors into OPEN accounts. If you have been removed then the Debt (balance) they have is not attached to you. Suggest you contact AmEx directly and ask them. Quickest way to find out is to sign up for a free account at Experian. It will show you Open and Closed Accounts. If the AmEx is in the Open Account section then it IS factored in your DTI. If it's in the Closed Account section then DTI is NOT factored in. Let me know how it turned out [PII Removed]
While it could help, I doubt you'll see any significant improvement in your credit right away, by just having it closed. But you will see "something" each month as you continue to pay it off and lower your DTI ratio. That is of course, assuming you don't cancel things out by incurring more debt elsewhere to "replace" the debt you're paying off.
I had 3 deaths at once in my immediate family and couldn't hold it together. I lost my job after and filed bankruptcy in 2014. I'm a former bank mgr and had always had great credit. Filing was one of the toughest things I've ever had to do (I was sued by a card company) so forced.
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