Reply
Established Member
Posts: 27
Registered: ‎10-12-2007
0

Authorized User on Card with High Balance

I am an AU (Authorized User) on someone's card that now has a very high balance.  I've got my own credit and really don't need this AU card.  Now, my scores are being negatively impacted, because of the high balance on that card.  If I am removed as an AU on that card, will that card AND it's associated balance be dropped from my report, and improve my score?  If anyone has information or experience with this, I would appreciate your input.

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Authorized User on Card with High Balance

Yep, get it off of there.

Some banks will allow the AU to call and ask to get off the card; others require the cardholder to do so.

Once removed, it should disappear from your reports the next time that it normally updates. AmEx seems to stay on reports, which is bizarre, but it shows that it is canceled and doesn't report a balance.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.