AU?

[Anonymous]

If my husband removes me from his cc, will it hurt my CS?

Amex

date opened 11/05

balance: 3,003

credit limit: 3,300

Thank you.

[llecs]

Is your AAoA on any given report younger than 7 years?

Is this your oldest TL or oldest revolving?

Is your overall CC util outside of this CC higher than 91%?

Is this Amex a charge CC (e.g. Green, Plat, etc.?) or is this a revolving (e.g. Blue, Clear, etc?)

If charge, how many other charge CCs do you have outside this CC?

If revolving, how many other revolving CCs (Visa, MC, Discover, etc.) do you have outside of this CC?

[Anonymous]

---

@llecs wrote:

Is your AAoA on any given report younger than 7 years? YES

Is this your oldest TL or oldest revolving? YES

Is your overall CC util outside of this CC higher than 91%? NO

Is this Amex a charge CC (e.g. Green, Plat, etc.?) or is this a revolving (e.g. Blue, Clear, etc?) Revolving 

If charge, how many other charge CCs do you have outside this CC?

If revolving, how many other revolving CCs (Visa, MC, Discover, etc.) do you have outside of this CC? 3

---

[RobertEG]

As a side issue, having the credit information from another consumer removed from your credit file/score will, in my opinion, make your score both more credible and useful to creditors who use that score, which is afterall what scoring is there for.

Just as you cant determine the degree of impact of that information in your scoring, neither can creditors.  For credtiors who wish to evaluate only your personal risk based on your score, having an AU reporting to your file removes the value of your score as an indication of your personal risk.  It may help or hurt your score, but I would submit that it is not all gravy.