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Community Leader
Senior Contributor
Posts: 26,694
Registered: ‎02-07-2013
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Re: Garden time? Maybe...

gardening wrote

i cannot wait to start "gardening".. But until then, thank you for all the wonderful information!


SPreb wrote:
Second that. Definitely a lot of good info on this board.

Welcome to the forum to both of you:smileywink:

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Regular Contributor
Posts: 164
Registered: ‎08-03-2013
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Re: Garden time? Maybe...

Thanks journey. Any input on my AU question?


I had another question though. I am an AU on account that has about 70% util. How much does that affect my score and possibility of auto CLI? If its bad, can I take myself off as a user. Is that bad?

Starting Score: 620 Current Score: 709 Goal Score: 720
Gardening from 9/28/2013. Target: March 2014
Community Leader
Senior Contributor
Posts: 26,694
Registered: ‎02-07-2013
0

Re: Garden time? Maybe...


SPreb wrote:
Thanks journey. Any input on my AU question?


I had another question though. I am an AU on account that has about 70% util. How much does that affect my score and possibility of auto CLI? If its bad, can I take myself off as a user. Is that bad?

Sorry I missed that being an AU on a card with 70% UTL is not good.

I would recommend you be removed as this will hurt your scores as well as the other person

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Member
Posts: 25
Registered: ‎07-20-2013
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Re: Garden time? Maybe...

I don't have an exact answer to your question but one late payment on an AU account, and my scores dropped between 25-30 points. They instantly went back up when it was disputed with the CRAs and deleted.

If you want to be removed as an authorized user, the account holder will need to call and have them remove you. Can you ask them not to carry such high balances?


SPreb wrote:
 I am an AU on account that has about 70% util. How much does that affect my score and possibility of auto CLI? If its bad, can I take myself off as a user. Is that bad?




Starting Score: 09/2012 635 EXP [myFICO]
683 EQ [myFICO] | 692 EXP [Lender] | 700 TRANS [Walmart FICO]

Current Scores are as of 08/2013: On my way to 700's. Too many Inquiries - In the GARDEN 08/2013

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