Impact on score when removed as AU on older account.

[Anonymous]

I have been removed as an  AU on my mom's credit card. I did this because the monthly payment was being calculated into my DTI ratio when applying for a mortgage. I am hoping this will result in an increase in my credit score because it has a high utilization. My question is, is it better not to have it removed because it is my oldest account and has always been paid on time? I have 3 cards that have a high utilization right now , 3 that have under 30% and 3 that are paid off. 

[gdale6]

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@Anonymous wrote:

I have been removed as an  AU on my mom's credit card. I did this because the monthly payment was being calculated into my DTI ratio when applying for a mortgage. I am hoping this will result in an increase in my credit score because it has a high utilization. My question is, is it better not to have it removed because it is my oldest account and has always been paid on time? I have 3 cards that have a high utilization right now , 3 that have under 30% and 3 that are paid off. 

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Welcome to My Fico

Mortgage lenders will not include the AU account in their Fico calculations so I would just leave it alone but verify it reports as terminated and 0 balance. You have too many accounts with balances you want 1 card reporting no more than 9% of its CL to the CRAs so I would take care of that too prior to apping for the mortgage. Good luck.

[Anonymous]

You say mortgage lenders will not include the account in their FICO calculation. My mortgage broker is the one that suggested I get taken off the account because of its high utilization. I'm just wondering will the benefit of getting rid of a high utilization card be canceled out by losing an old account? You're saying it won't do anything at all because lenders won't use it?