https://ficoforums.myfico.com/t5/General-Credit-Topics/Joint-Account-Question/m-p/123963#M63905 <DIV>When I first wanted to start building my credit history my mother added me to 2 of her cards as a joint account card holder.&nbsp; Of course she never actually gave me either of the cards being that as an 18 year old I didn't need access to a 20K spending spree.&nbsp; My question is now 10 years later as I am getting ready to buy a house these cards are still on my CR and are obviously&nbsp; factored in on my overall credit UTIL.&nbsp; Both of these cards are dormant and have not been used in years.&nbsp; Should I have my mother remove me as a joint user?&nbsp; Will these accounts still remain on my CR for the next 7 years showing payment history(which I don't think they've been used in 10 years anyway)&nbsp; And if removed this will most likely lower my FICO score because I am lowering my overall credit UTIL(30K CC in my name + 20K Joint)&nbsp; Should I just leave my credit alone and not worry about it?&nbsp; Looking forward to everyones input.&nbsp; Thanks in advance.</DIV> Tue, 01 Jan 2008 03:33:55 GMT Anonymous 2008-01-01T03:33:55Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Joint-Account-Question/m-p/123963#M63905 <DIV>When I first wanted to start building my credit history my mother added me to 2 of her cards as a joint account card holder.&nbsp; Of course she never actually gave me either of the cards being that as an 18 year old I didn't need access to a 20K spending spree.&nbsp; My question is now 10 years later as I am getting ready to buy a house these cards are still on my CR and are obviously&nbsp; factored in on my overall credit UTIL.&nbsp; Both of these cards are dormant and have not been used in years.&nbsp; Should I have my mother remove me as a joint user?&nbsp; Will these accounts still remain on my CR for the next 7 years showing payment history(which I don't think they've been used in 10 years anyway)&nbsp; And if removed this will most likely lower my FICO score because I am lowering my overall credit UTIL(30K CC in my name + 20K Joint)&nbsp; Should I just leave my credit alone and not worry about it?&nbsp; Looking forward to everyones input.&nbsp; Thanks in advance.</DIV> Tue, 01 Jan 2008 03:33:55 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Joint-Account-Question/m-p/123963#M63905 Anonymous 2008-01-01T03:33:55Z https://ficoforums.myfico.com/t5/General-Credit-Topics/Joint-Account-Question/m-p/123974#M63907 <DIV>Don't touch em... or even breathe heavy in that direction on your CR. </DIV> <DIV>&nbsp;</DIV> Tue, 01 Jan 2008 04:10:03 GMT https://ficoforums.myfico.com/t5/General-Credit-Topics/Joint-Account-Question/m-p/123974#M63907 Anonymous 2008-01-01T04:10:03Z