Please Help?

[davir3351]

Quick question my mom has me on her cc as a au her utl is 95 percent which is killing my score my overall utl is 21 percent i told her to take me off will this help my utl can u please explain

[Creditobsessed12]

Are you on the CC as an authorized user or did you cosign?  If your an authorized user you can dispute the CC with the 3 credit bureaus.  I did that before since it was technically it was my moms account.  But if you cosigned then u are responsible for the debt.  Good luck!

[llecs]

Ditto to the dispute suggestion. However, look at the age of the TL in relation to your AAoA before doing anything. DW was in a similar situation with her dad's Citi TL. He kept it at 95% utilization and because of the sizable CL, the best DW could do for her utilization overall was over 90%. So, we removed it and her score dropped. Why? Because her AAoA went from 5 or 6 yrs to 2 yrs.

Mix of credit should be considered too. If you have other CCs outside of this CC, then this isn't anything to worry about.