I'm AU on DH's BoA, Citi and Discover, and he's AU on my Discover (as well as a few store accounts).
Because of a BT onto the BoA, it would help my score to NOT be AU til we get that one paid down. My utilization would come down to about 14-16% without that one on my report, and now it's about 25%.
However, when we pay it off (6-9 mos), having the TL on my report would help.
Will BoA, and/or Citi allow same AU to be added back on if they're deleted??
Don't want to hurt myself in the long run for the short term gain.
Yes, I know BoA will. I took DH off of mine and they immediately updated his reports. I paid the card off and then added him back and they added the account back to his reports when my card updated the following month.
It was not helping his already poor UTL so I removed him temporarily.
Discover has always been great to work with. I am not sure about Citi.
Thanks, stef....just what I wanted to hear!! that's what I'm trying to do.......have him remove me temporarily, just til we get the BT am't paid down or off, probably about 6 mos.
Discover is always great to deal with, so we'll just call and check with them, and Citi isnt really an issue right now, but just wanted to know for future reference.
Gotta play that FICO game the 'right' way so you can get the most points!!