https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Removed-as-AU-from-account-possible-effect/m-p/4159747#M434546 <P>The major effect is that the score that is now produced can be used by others to assess your actual risk.</P><P>That is not the case when you have an account of another included in your scoirng, as a potential creditor canno back-out the impact of an AU and produce a score that represents your own risk.</P> Fri, 31 Jul 2015 19:46:26 GMT RobertEG 2015-07-31T19:46:26Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Removed-as-AU-from-account-possible-effect/m-p/4159727#M434543 I called and removed myself as an AU on my wife's Chase account. My reasoning is that the card has an extremely high UTI, around 85%. I recently was approved for two new CCs so the amount of available credit won't suffer too much and I've basically just went from 87% UTI to below 20% UTI.<BR /><BR />I know there are all kinds of other factors but do you guys think I'll see any type of bump based on the new UTI when it gets reported?<BR /><BR />It shouldn't effect my AAoA too much either. Fri, 31 Jul 2015 19:34:00 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Removed-as-AU-from-account-possible-effect/m-p/4159727#M434543 BGMWPD320 2015-07-31T19:34:00Z https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Removed-as-AU-from-account-possible-effect/m-p/4159747#M434546 <P>The major effect is that the score that is now produced can be used by others to assess your actual risk.</P><P>That is not the case when you have an account of another included in your scoirng, as a potential creditor canno back-out the impact of an AU and produce a score that represents your own risk.</P> Fri, 31 Jul 2015 19:46:26 GMT https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Removed-as-AU-from-account-possible-effect/m-p/4159747#M434546 RobertEG 2015-07-31T19:46:26Z