Sorry i guess i was a little confusing. I am actually trying to help my friend out who was the add'l auth user not the actual acct holder. He just doesnt have too much of a credit history and i figured i'd help him out. the ex bf was the one who defaulted, i just wasn't sure if my friend (not the ex) would be considered to have defaulted since he was never actually removed when he requested from the ex's (acct holder) acct prior to defaulting on the card.

Thank you for taking the time to help btw..