Is it worth it?

[PandiferBear]

How much does being an authorized user really matter?  My husband is listed as an authorized user on his parents credit cards, and he has been forever, because his oldest account is 23 years, and his is 33.  In some ways, it is great because they have huge limits and it really helps his AAOA.  However, they tend to hang around 40 to

45 percent utilization. Is it worth it to keep him as an AU?  I guess what I am asking is: does the affect on his AAOA equal the affect on his utilization?  Or is one more important or more affected than the other?  Any ideas on what you would do in this situation?  It will seriously affect his AAOA to take him off, but right now his utilization is hurting.  I know utilization is the more important scoring this, but I wonder if they look at your utilization more independently when you apply for something?  I hope what I am asking is coming across.  Thank you for any insight.

[AndySoCal]

I would say no the util will have more impact than AAoA on the score.

[PandiferBear]

Thank you for your advice. I am leaning that way myself.

[Revelate]

HOw long would his AAOA be without the AU's?

Also what's the difference in revolving utilization if the AU's are no longer on?  45% isn't a terrible number though it's not ideal if we're talking utilization metrics, but if his AAOA remains above 2 years I'd probably airstrike the AU's assuming he has a clean sheet otherwise.  

That said, if you take him off the AU's and the score drops preciptiously, you can probably get his parents to readd him, so it wouldn't suck to try regardless.

[PandiferBear]

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@Revelate wrote:

HOw long would his AAOA be without the AU's?

Also what's the difference in revolving utilization if the AU's are no longer on?  45% isn't a terrible number though it's not ideal if we're talking utilization metrics, but if his AAOA remains above 2 years I'd probably airstrike the AU's assuming he has a clean sheet otherwise.  

That said, if you take him off the AU's and the score drops preciptiously, you can probably get his parents to readd him, so it wouldn't suck to try regardless.

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It would probably put him around 2 or 3 years.  He's had a couple cards for maybe 5 years, but we just added Discover IT and Chase this year.  I think we will probably just leave it all as is for now.  Down the line when his AAoA is stronger or we are looking at purchasing a home, maybe we will revisit the idea then.  Thanks for the advise.  I did not think about about ptoentially adding him back if needed.