Will removing self as AU improve average age?

[Anonymous]

I am AU on a few of my wifes credit card accounts. I am wondering if removing myself as AU will improve my average account age or will it have no impact?

[ksantangelo23]

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

[ojefferyo]

If the account still shows on the report then no impact but if you can get the whole tradeline removed then I would assume you may see some results. 

[ojefferyo]

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@ksantangelo23 wrote:

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

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Closed accounts are still factored into Fico

[ksantangelo23]

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@ojefferyo wrote:

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@ksantangelo23 wrote:

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

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Closed accounts are still factored into Fico

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Which is exactly what I said, but having it completely removed from a report would result in a boosted AAoA.

[Anonymous]

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@ksantangelo23 wrote:

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@ojefferyo wrote:

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@ksantangelo23 wrote:

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

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Closed accounts are still factored into Fico

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Which is exactly what I said, but having it completely removed from a report would result in a boosted AAoA.

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How do you know that.? Depending on the AU accounts, it could lower his AAoA.

[ksantangelo23]

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@Anonymous wrote:

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@ksantangelo23 wrote:

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@ojefferyo wrote:

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@ksantangelo23 wrote:

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

---

Closed accounts are still factored into Fico

---

Which is exactly what I said, but having it completely removed from a report would result in a boosted AAoA.

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How do you know that.? Depending on the AU accounts, it could lower his AAoA.

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OP is asking if the removal will improve his AAoA, which implies a younger account. My response was in context

[Anonymous]

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@ksantangelo23 wrote:

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@Anonymous wrote:

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@ksantangelo23 wrote:

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@ojefferyo wrote:

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@ksantangelo23 wrote:

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

---

Closed accounts are still factored into Fico

---

Which is exactly what I said, but having it completely removed from a report would result in a boosted AAoA.

---

How do you know that.? Depending on the AU accounts, it could lower his AAoA.

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OP is asking if the removal will improve his AAoA, which implies a younger account. My response was in context

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Yes i do have a longer credit history then my wife so if i remove my self as AU and somehow convince the lenders to remove the accounts from my report that should give me a boost, is what i'm understanding.

Now not sure how easy it will be to convince lenders to remove closed AU accounts from my CRs. Anyone have success experience in this area?

[Anonymous]

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@Anonymous wrote:

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@ksantangelo23 wrote:

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@Anonymous wrote:

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@ksantangelo23 wrote:

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@ojefferyo wrote:

---

@ksantangelo23 wrote:

It will have an effect if you have them completely removed from your CR's, which can be done by writing a plain worded letter to the creditor requesting so, along with your personal identifying information. 

You can request the AU account be closed, but that will not guarantee that it will be removed from your CR's, since "closed" accounts will affect your AAoA.

---

Closed accounts are still factored into Fico

---

Which is exactly what I said, but having it completely removed from a report would result in a boosted AAoA.

---

How do you know that.? Depending on the AU accounts, it could lower his AAoA.

---

OP is asking if the removal will improve his AAoA, which implies a younger account. My response was in context

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Yes i do have a longer credit history then my wife so if i remove my self as AU and somehow convince the lenders to remove the accounts from my report that should give me a boost, is what i'm understanding.

Now not sure how easy it will be to convince lenders to remove closed AU accounts from my CRs. Anyone have success experience in this area?

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You shouldn't have any problems.  People do it all the time.

[ksantangelo23]

Write a letter to the address on your credit report for that account requesting it be removed. Ive done it three times without issue. If the lender will not remove it, you can have each induvidual CRA remove it themselves through a dispute process, no questions asked.