The credit utilization of 2% is that only on the cards she has on her own (excluding the au accounts). Remember the the AU accounts the authorized user has no financial responsibility for. She would get a FICO score after the account has been opened for at least six months. All the AU accounts can can do is potentially distort the score. If it were me I would remove all the AU accounts. There may be factors you may want her to have one your credit cards just in case of a problem. You need to have her build her credit slowly of time. I started years ago by applying for a store card I got that card. Several months later I got a Visa or a MasterCard. Thirty plus years have passed and the maxiumj number cards I had open at any one time was 7. Today I have only 4 with enough credit to meet any of my credit needs. The process takes time and patience.
FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
Discover IT 09/90, 19000, JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO
