AMEX

[scorepower]

I was going through our credit report and my wife's score is 690 on Equifax/FICO.  On creditsecure/FAKO she is excellent through Eq and Ex and good with Transunion.  Her utilization is 27%. 

Her CL on AMEX was $4K.  We requested an increse for $25K and she got it.  Will this help drop her utilization?  In addition, i looked and her report and she is an authorized user on my AMEX account.  I called AMEX and they can remove her and also send a note to the CRA.  Will removing her show up as a closed account for her?  Account has been opened since 98.  Will this drop her score?  Reason for closing was i have a balance of $3500 on the AMEX and i figured if her name is taken off then 3500 off her score which should reduce her util.  Now i'm wondering if i did the right thing? 

[Anonymous]

Basically it will not hurt removing or adding AU at this time, bacause time fror that almost has ran out. No matter what you did with AU status it will not count in FICO 2008 ( JAN 2008 ). So if you need to apply for something, wait few month till new year. Increase in CL generally gives you decrease in overall utilzation. but FICO looks at each account individual and collective utilization.

Hope it helps.