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New Member
lainie127
Posts: 2
Registered: ‎04-01-2010

I'm an authorized user on an account with a less than desirable history - question???

[ Edited ]

Will it improve my credit score to ask to be taken off of this credit card as an authorized user?  It increases the amount of money I have available in my credit score, but it was past due about 6 times during the history of the account.  Will it help my FICO to be taken off of it, or am I better off just leaving myself on it?  Thanks for any advice anyone can give! 

Established Contributor
cdtotten
Posts: 951
Registered: ‎05-27-2009

Re: I'm an authorized user on an account with a less than desirable history - question???

You want to get yourself taken off asap. You never want to be an AU on a card that has:

 

- Derogotory information

- Shorter age of account than your average

- High utilization %

 

It should help your score out a lot if you have no other derogotory info on your report.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


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Moderator Emeritus
MarineVietVet
Posts: 14,084
Registered: ‎07-14-2009

Re: I'm an authorized user on an account with a less than desirable history - question???

 


lainie127 wrote:

Will it improve my credit score to ask to be taken off of this credit card as an authorized user?  It increases the amount of money I have available in my credit score, but it was past due about 6 times during the history of the account.  Will it help my FICO to be taken off of it, or am I better off just leaving myself on it?  Thanks for any advice anyone can give! 


 

Welcome to the forums.

 

 

I believe I would have myself taken off this account.

 

 

From a BK years ago to:
8/09 TU-765 EQ- 783
9/09 EX pulled by lender 802
3/10 EQ- 800

You can do the same thing with hard work

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New Member
lainie127
Posts: 2
Registered: ‎04-01-2010

Re: I'm an authorized user on an account with a less than desirable history - question???

Okay, thanks a lot for your advice, I'm going to do that today, maybe it will help to improve my score!  Have a great day!


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