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Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

Removing AMEX AU

Since I have my own AMEX cards now, is it safe to remove myself from my sisters AMEX? The only reason I want to stop being an AU is because of her util, it has gone up this month and it is affecting me :/ Will my date with them still remain 1998? And for future cards as well?


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Removing AMEX AU

Is her AMEX a charge card or credit card ? Charge card balances aren't included in FICO® revolving utilization. If your member since date shows that year then you should be ok ~ dropping as an Additional cardmember won't affect you.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Frequent Contributor
Posts: 260
Registered: ‎08-29-2011
0

Re: Removing AMEX AU

It's a revolver, that's why it's affecting me. I have member since 1998, they backdated me, I just don't want to lose that backdate if I remove myself as an AU Smiley Happy


Starting Score Myfico EQ: 676 08/11/2011
Current Score: Amazon EQ Pull: 781 Walmart TU08: 782 AMEX EX Pull: 745 08/03/2014 Goal Score: 780+
Hover over image to see limits

NPSL$1,000$18,000$9,500$5,000$5,000$5,500$8,000$5,300$9,000$5,500$4,200$1,900$4,000$1,600
Super Contributor
Posts: 9,674
Registered: ‎01-28-2010
0

Re: Removing AMEX AU

Ok, gotcha. Once your member since date is established, it shouldn't change, even if the card that set the date is closed or you're removed as an additional cardmember.
March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
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