How will my score be affected if I am removed from joint account?

[Anonymous]

I am an authorized user on my ex-wifes American Express card, it went from a zero balance to 13k.  I can be removed from being an authorized user but is this going to help or hurt my FICO score?

Thanks

[Skye12329]

There is a difference between Authorized User and Joint Account. Authorized users arent really factored in a whole lot (Depends on lender) when it comes to lending decisions.

Depends on your total available credit. If thats the only card on your report and it gets close to your limit, your score might tank for a little bit.

[takeshi74]

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@Anonymous wrote:

I am an authorized user on my ex-wifes American Express card, it went from a zero balance to 13k.  I can be removed from being an authorized user but is this going to help or hurt my FICO score?

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How would it impact your utilization?  Is this temporary or is this balance going to be carried for some time?