It's only for short term (2 years for chase), and you can call and have them removed either becuase as an AU you are not financially responsible or because an AU on your own account is essentially a duplicate. Was very easy to do on the phone. not a PITA at all. Took maybe 5-10 minutes per bureau
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You are right its doable & with a phone call they can/will remove it. But, why the need to get into that situation to begin with?