My GF is an AU on my Discover card. My util on that card is about 75% and I wanna stop that from showing on her reports. If I remove her will that balance continue to show or will it just be open date and CL?
I want her to add me to a CapOne card she has that has 15% util right now. It also has a missed payment and I don't know how long ago it was. I assume it was within the last 2 years. Will that be a mark against me? I'd rather not be added if that is the case.
Thanks for any guidance.
@Schism213 wrote:My GF is an AU on my Discover card. My util on that card is about 75% and I wanna stop that from showing on her reports. If I remove here will that balance continue to show or will it just be open date, and CL? Will show account relationship terminated, then she will prob have to dispute it off, FYI once its disputed off it cannot be added back on at a later time.
I want her to add me to a CapOne card she has that has 15% util right now. It also has a missed payment and I don't know how long ago it was. I assume it was within the last 2 years. Will that be a mark against me? I'd rather not be added if that is the case. This is a bad idea the account info will apply to you as well and you will take a score hit for the late.
Thanks for and guidance.
@enharu wrote:t will continue to show on her CRs.
Remove her as AU, then have her dispute with the CRAs about the account. Just state reason as "not mine".
+1 Did this with wife's trade line before applying for mortgage. It wasn't coming off my report until I disputed it.
Agreed, efranklin. I don't quite get why the OP insists on having a GF (not a wife or a daughter mind you) as an AU.
OP, if this is all for Credit Scoring tactics, it's not very helpful for her. I am an AU on a card from back when I was rebuilding my credit. But it was an immaculate card from my wife that was 10 years old with a high credit limit. I can't see what you are doing as being anywhere near as helpful....or even comparable.
Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
@ztnjpv wrote:Agreed, efranklin. I don't quite get why the OP insists on having a GF (not a wife or a daughter mind you) as an AU.
OP, if this is all for Credit Scoring tactics, it's not very helpful for her. I am an AU on a card from back when I was rebuilding my credit. But it was an immaculate card from my wife that was 10 years old with a high credit limit. I can't see what you are doing as being anywhere near as helpful....or even comparable.
Right, a year ago she needed a little help with her credit situation so I added her onto my discover. She has improved since then, with a nice CLI from CapOne and one more card approval since. At this point, as you say, my cc with that util is no help. My angle is to get that off for those reasons.