New Visitor
Posts: 760
Registered: ‎02-11-2012
Re: Closing Accounts with AU

I do not know about the AU item, however, before you close it you should get a couple of cards only in your wife's name. Then her file will start to build. You also should have one or two cards only in your name. Then, place some major banking cards in your joint names. Both of your reports need to show individual credit and joint credit trade lines. Good Luck

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)

Remember the Three P's: Pay early in Full, Pay on Time, Patience