AU questions

[noobafterbk]

So my wife and I are considering adding each other to our seperate credit cards as AU's

i have 55k of available credit across 7 cards, she has 29k across 2 cards, if we add each other as AU on the cards with 0 balance and high limits will it benefit each of our scores?

e.g

I have a 20k NFCU she has a 25K Venture - both are in one persons name only;, if we add each other to the respective cards will the reduction in util and increased available credit do anything for our scores?

btw my util is 11% and hers is approx 8%  were both 19 months post BK7

[Anonymous]

you won't see much change in scores since your utizarion is already low but it could help some just for that purpose alone. otherwise it doesn't make much difference

[noobafterbk]

thank you. so if we both drop util to 5% or 1% it would make no maajor difference in scores? i actually thought util was quite important in scoring.

[Anonymous]

it is but 5% is so low already that from 5 to 1 won't be that significant

[vanillabean]

Probably not much. What are your scores now?

[noobafterbk]

672 across all three