Two AU added will it help?

[diebadcredit6504]

What's going guys, well like I stated last week my wife added to me today as an AU on two CC which are from 2005

BofA - 2005 - 15K limit - balance of 9K

Discover - 2005 - 15K limit - 0 balance

Here goes what I have

Baddies

Installment – 3 zero balances from 2012 CHARGE OFF. “Paid in full Charge off”

Revolving – 2 secure credit cards – BofA Closed 11/2010 "Wells closed 01/2012: have a few 30 days late. Zero Balances

Installment – Capital ONE – One 30 days late reported Aug 2012 Closed AUTO Accounts.

Good

Mortgage – 4yrs old – never late

Installment – truck 2yrs - never late.

Installment – Dept of ED – 3yrs never late

Revolving – 3 new credit cards just added Dec 2013

1.Capital      One secure – 200 limit

2.Credit      One – 400 limit

3.Comenity      bank/Express – 250 limit

So do you think it will help my AAoA and my uti? Also you think it will raise my score? Or hurt it? Below are my current scores on my signature.

[diebadcredit6504]

+1

[Kenny]

I think it's good that you had the 0/15k added for sure so that if you do have balances on your cards you aren't subject to CRAZY utilization swings. I'm not sure if it's backdated just by adding it to your CR, but if so then it's good for your AAoA sure. I'm not sure that I would have added the 9k/15k though...

You've made great strides! I look forward to hearing how your scores react to these additions. Please let us know. I'm sure someone with more knowledge with these types of questions will come along, I just added what I knew.. lol (which isn't much.)

[pr0blumz]

Yeah, you would have been great with only being added to the Discover.

[diebadcredit6504]

I think I'm going to leave the Boca one with 90 balance and see my ASIA and score. If it isn't that much of a jump I will take it off...

[diebadcredit6504]

Sorry typo meant to say BofA

[diebadcredit6504]

Well Discovery cc just appeared on my EQ report so I'm just waiting for my score update. Let see what kind of bump it will give me.

[diebadcredit6504]

Sorry typo Discover

[AndySoCal]

Personally I  would not want the B of A  card on my report,. The credit utilization is too high( over 50%

[diebadcredit6504]

The BofA didn't appear on my report.