<prompt> Human: I was an authorized user for my grandfathers credit card. The account was closed in Sept 2011 after he died with 6300 on it. The guy at Bank of America who called after his death and closed the account said that I was not responsible for the debt and that it wouldnt have any effect on my credit. Today, I looked at my credit score 744 and saw that the account is listed as a Charged off account with me listed as an authorized card holder.I read that it will roll off of my credit 7.5 years after the date of closure, which would mean it is rolling off spring of 2019. Canshould I get Bank of America to remove this? One of my family members said that because it is a 12 year old account, and my next oldest account is 3 years old, it would hurt my overall credit score to get it removed rather than wait for it to roll off. I have very minimal debt otherwise less than 500 on my own credit cards that I could easily pay off.What is the best course of action? Ive tried researching it a bit, and have come up with answers that didnt quite fit my specific situation.  <response>: Dispute it off. Say clearly I was an authorized user on this account not a joint responsible party, please immediately remove this tradeline from my reports and send me a new report showing it has been removed promptly.Do this in writing, USPS, CMRRR.While the aging helps you, you dont want that chargeoff showing as you apply for new accounts. 