When exactly is 6 months?

[Anonymous]

I plan on removing myself as an au on my dad's barclay card from july 2013 after MY credit is 6 months old.

(so I can generate ficos.)  My oldest card was opened july 22nd of this year. So, does this mean, 6 months is jan 1st or jan 22nd?  I want to distance myself from my dad's cards, mainly because I don't want to have to deal with the util thing with him.

[jeffm4688]

6 month shoould be jan 22nd ; it might be jan 1st on EX as my EX seems to only care about month on my reports

[Anonymous]

Why not wait until you know scores have been generated on all three and then remove yourself??

[elim]

I would stay on until I had a couple bank cards reporting, unless dads utilization is to high for the approvals.

[Anonymous]

By the way, what is the current utilization?

[Anonymous]

I have 4 of my own cards reporting.

Total util is 4%.  I just dont want to have to tell him to pay it/not use it certain days.  Im an au on his 11k discover and that card always reports the balance, so I'd like to not have to worry about another card of his reporting.

[Anonymous]

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@jeffm4688 wrote:

6 month shoould be jan 22nd ; it might be jan 1st on EX as my EX seems to only care about month on my reports

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This is right.  Just checked older 3b pull on cct.  Ex is 7/1 while eq and tu are 7/29 (thought it was 22nd, my bad).  So, I'd have to wait until jan 29th for eq and tu.

[NRB525]

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@Anonymous wrote:

I have 4 of my own cards reporting.

Total util is 4%.  I just dont want to have to tell him to pay it/not use it certain days.  Im an au on his 11k discover and that card always reports the balance, so I'd like to not have to worry about another card of his reporting.

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My opinion is that an AU is a credit reporting beneficiary.  

My suggestion? If you feel the need to tell DD how to manage his Discover card, you should take yourself off as AU now. Like, call now and have yourself removed. You got a benefit from the card being added to  your report. How DD uses the card has obviously worked for him in the past, and it's not really your place to start managing the account for him.

Each individual must manage their own credit. You have enough cards now you can do your own card management.

And get DD a nice Chiristmas gift too.

Cheers!

edit to add: And Barclays? Yeah, go ahead and remove yourself from both cards.

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:

I have 4 of my own cards reporting.

Total util is 4%.  I just dont want to have to tell him to pay it/not use it certain days.  Im an au on his 11k discover and that card always reports the balance, so I'd like to not have to worry about another card of his reporting.

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My opinion is that an AU is a credit reporting beneficiary.  

My suggestion? If you feel the need to tell DD how to manage his Discover card, you should take yourself off as AU now. Like, call now and have yourself removed. You got a benefit from the card being added to  your report. How DD uses the card has obviously worked for him in the past, and it's not really your place to start managing the account for him.

Each individual must manage their own credit. You have enough cards now you can do your own card management.

And get DD a nice Chiristmas gift too.

Cheers!

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Great advice, thank you!