Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
Re: IIB / authorized user

Both accounts are reporting as a negative and are hurting your score. However, the history might be helping more than it hurts. If you are pulling a FICO score (and not a FAKO), and if your AAoA is younger than 4 years, and if you have no other CCs reporting aside from these two and the pending PNC, then I vote for a score drop once removed. You would be removing your oldest revolving and lowering your average age. On the flip side, if these are your youngest accounts, and you have a good mix of credit with other CCs reporting aside from these, then you'd see a significant gain.