Hi everyone !
I'm an authorized user on TWO of my mothers accts Chase and Amex.
for Amex the is staus is:
Status as ofDate opened [?]
| May, 2013 |
Apr, 2013 |
Credit limit [?] $1,800
for Chase :
Status as ofDate opened [?]
| Mar, 2013 |
Jan, 2000 |
Credit limit [?] $2,000
Below are my other accounts. My question is....SHOULD I REMOVE MYSELF AS AN AUTHORIZED USER ON BOTH ACCOUNTS? THE UTI IS PRETTY HIGH FOR BOTH . ALTHOUGH THE CHASE ACCOUNT WAS OPENED 13 YEARS AGO?
thanks!
| MacYsdsnb | 9/1975 | $387 | Pays account as agreed | No | Details | |
 Cap1/Bstby | 7/2005 | $355 | Pays account as agreed |  | Details | |
| Nordstrom | 3/1998 | $55 | Pays account as agreed | No | Details | |
| Wffnatbank | 9/2006 | $0 | Pays account as agreed | No | Details | |
| Amex | 4/2013 | $1,822 | Pays account as agreed | No | Details | |
| Chase | 1/2000 | $1,680 | Pays account as agreed | No | Details | |
| Chase | 5/2006 | $560 | Pays account as agreed | | Details | |
| Amex | 4/1993 | $0 | Pays account as agreed | No | Details | |
| Hsbc Bank | 7/2005 | $0 | Pays account as agreed | | Details |
If you need a high score immediately, yes I would get removed. Otherwise, keep the accounts on there and wait for your mom to pay off the balances. I'm sure you can teach her a thing or two about managing credit 
@Diamondbze wrote:Hi everyone !
I'm an authorized user on TWO of my mothers accts Chase and Amex.
for Amex the is staus is:
Status as ofDate opened [?]
May, 2013 Apr, 2013
Credit limit [?] $1,800
for Chase :
Status as ofDate opened [?]
Mar, 2013 Jan, 2000
Credit limit [?] $2,000
Below are my other accounts. My question is....SHOULD I REMOVE MYSELF AS AN AUTHORIZED USER ON BOTH ACCOUNTS? THE UTI IS PRETTY HIGH FOR BOTH . ALTHOUGH THE CHASE ACCOUNT WAS OPENED 13 YEARS AGO?
thanks!
MacYsdsnb 9/1975 $387 Pays account as agreed No Details 7/2005 $355 Pays account as agreed Details 3/1998 $55 Pays account as agreed No Details 9/2006 $0 Pays account as agreed No Details 4/2013 $1,822 Pays account as agreed No Details 1/2000 $1,680 Pays account as agreed No Details 5/2006 $560 Pays account as agreed Details 4/1993 $0 Pays account as agreed No Details 7/2005 $0 Pays account as agreed Details
If both of thlse not only have higher util, but are showing as not being paid as agreed, (late payments or whtever), then you are getting both the dings on payment as well as util...i think..but ive been wrong before. If you dont need to apply for credit in the next few months, have her remove you and see what happens. You always can always put them back. Just my opinion.
sory my bad, was looking at it wrong. Saw pays as agreed followed by no..... never mind
@Chris123nTx wrote:
@Diamondbze wrote:
If both of thlse not only have higher util, but are showing as not being paid as agreed, (late payments or whtever), then you are getting both the dings on payment as well as util...i think..but ive been wrong before. If you dont need to apply for credit in the next few months, have her remove you and see what happens. You always can always put them back. Just my opinion.
sory my bad, was looking at it wrong. Saw pays as agreed followed by no..... never mind
Not to hijack the thread but what do the No's and flags stand for? I see people post that report type a lot and can't figure it out. Are these from reports being pulled on this site?
yep.. pulled from myfico, no is answer to is account delinquent and flag means flagged at some point for late etc...
Starting Score:567Walmart TU 701, Credit Sesame 722, credit secure 701 credit karma 694Last Score: 689 TU/Walmart CK 645 Goal Score:800 CLUB