When I first started rebuilding my credit about a year ago, I had my mom add me as an authorized user on a card of her's that was reporting for me. I used the card then and kept the balance low. I now have a card of my own (store... $181 bal on a $1000 cl), a credit line of $3000 with $484 on it (Dell), an auto loan down to around $2400, and then I'm authorized on 2 other cards of my mom's (dept. store) with a $350ish bal on a $1000 limit, and another dept store with $0 bal on $150 limit (the suckers dropped us from $300 to $150 when all the lenders started dropping people).
This card I'm wondering about is one I no longer use. She does. It's a store card but an MC that's able to be used elsewhere as well. It's over 50% of the limit.... around $380 on a $600 limit. It's not the longest history I have, but is from around 2009. I have very limited credited history/length.
My question is, would it hurt or help my score if I remove myself as a user of this card? It'd bring my total credit (which is around $5800) down to $600 less, but it would remove this card that's well over 50%. My other cards are nowhere near that percentage. I believe my total percentage when I pulled my TU today was 27% (I'd have to double check to be positive, but it's right around 27%). What's the best route to take here?
Any help is appreciated, thanks for reading!!
Since I have more limited history, if having a 6th account more beneficial (and 2 yrs history), or remove the higher pecentage? Like I said, I don't use the card, and honestly I'm worried about it possibly going up even more.
