AU Question delete or not?

[mystikal1]

I am an AU on 3 accounts.

BOA   12000 Limit 10000 UTI

Cap 1 10000 Limit   6500 UTI

Cap 1   5000 Limit   3500 UTI

Would it be more benificial to have the CBA remove these accounts or leave them alone?

My highest CL is 6500 on my own. Without the AU my UTI is 28% with them about 48%.

I want to be able to do a BT around Jan, by then mu UTI will be under 9% without the AU.

Thank you for your help in advance

[RonM21]

To me, if it dramatically lowers your utilization and risk, then I'd do it. But I also don't know the fine details of your situation. You just have to do what is best for you.

[Anonymous]

I agree, it depends on your personal situation.

It sounds like you don't use the AU accounts, so you're more or less at the mercy of whoever the primary account holder is.  From the looks of things, they appear to keep their utilization high.  What is your AAoA with those accounts and what would it be without them?  If you're AAoA was going to drop from something like 9 years down to 9 months or something dramatic I could understand keeping yourself as an AU... but outside of AAoA I'm not really seeing what the benefits are.

[mystikal1]

Thank you, what is the best way to remove them? Dispute is what I am thinking.

[Samac]

I would just have myself removed as an AU off of those accounts they usually disappear, if they don't then dispute them.

[Anonymous]

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@mystikal1 wrote:

Thank you, what is the best way to remove them? Dispute is what I am thinking.

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You need to be removed from those accounts as an authorized user, then the creditor will update the CRA's.  If they don't, then you can dispute.  

[RobertEG]

If in doubt, get the AU accounts removed.

A primary benefit, regardless of whether it improves scoring, is that your score will then be representative of only your own credit history.

Whenever you have an AU, the resulting score will not be representative of only your own personal risk, and if a creditor does a manual review and sees the presence of an AU account, they know that they do not have a score that represents only your own risk.

[SouthJamaica]

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@mystikal1 wrote:

I am an AU on 3 accounts.

BOA   12000 Limit 10000 UTI

Cap 1 10000 Limit   6500 UTI

Cap 1   5000 Limit   3500 UTI

Would it be more benificial to have the CBA remove these accounts or leave them alone?

My highest CL is 6500 on my own. Without the AU my UTI is 28% with them about 48%.

I want to be able to do a BT around Jan, by then mu UTI will be under 9% without the AU.

Thank you for your help in advance

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Get out of those accounts.