Hi build_it_up,,
Welcome! Glad you're here.
build_it_up wrote:
hi yall
my question is my credit history is not good only one year but my wife history is e years longer than mine but im not sure about if she missed payments etc also her cl is only three hundred but balance is zero now if i be an authorized user and if it drop my fico score can i take my self off the authorized user will my score go up again or i will be stuckk with the authorized user card history??? and please if i didnt explain well ask me
Yes, you can always remove yourself as an AU and the CR's should discontinue reporting the card. If they don't discontinue, you can dispute the AU account as "not mine" if you have, in fact, removed yourself from the card. When it's removed, it will no longer be impacting your credit history.
It's always a good idea to pull a credit report and see if there's any baddies on the account before you consider adding yourself as an AU - especially if you're not sure.
