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CAN AN AU BE DELETED THEN ADDED BACK ON LATER??

rom828
Established Contributor

CAN AN AU BE DELETED THEN ADDED BACK ON LATER??

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.

FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)
Message 1 of 4
3 REPLIES 3
stef37
Valued Contributor

Re: CAN AN AU BE DELETED THEN ADDED BACK ON LATER??

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.

Message 2 of 4
rom828
Established Contributor

Re: CAN AN AU BE DELETED THEN ADDED BACK ON LATER??

Thanks, stef....just what I wanted to hear!!  Smiley Happy   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!!

 

 

 

 

FICOS: TU 732(05-16-16) EQ '08 739( 05-16-16) EX 737 (08-17-16)
Message 3 of 4
stef37
Valued Contributor

Re: CAN AN AU BE DELETED THEN ADDED BACK ON LATER??

You're welcome and oh yeah, I know about the game playing. Smiley Happy
Message 4 of 4
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