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Hi All -- there are several threads on this topic, but I wanted to post my specifics and get your feedback.
About 5 years ago, my father added me as an AU on his Discover Card with a $17.5k CL. At that time, there was a $0 balance and it boosed my FICO significantly (and helped me land our mortgage for our first home). Now, that card has a $7,500k balance and is affecting my utilization significantly.
My question is, which option is better:
Thanks in advance for your help!
Rebuilding my credit since 2/2007; starting scores:
TU 584 | EQ 572 | EX 591
Scores as of 7/2011:
TU 738 | EQ 707 | EX 730 (Experian PLUS Score)
You could always take yourself off and see, and if it is too horiffic go back on.
Indeed, there always is that option. However, I guess the questions really boil down to:
Thanks!
Rebuilding my credit since 2/2007; starting scores:
TU 584 | EQ 572 | EX 591
Scores as of 7/2011:
TU 738 | EQ 707 | EX 730 (Experian PLUS Score)