I would remove yourself as the AU of the Capital One and Lowes accounts because their balances are high relative to their credit limits. Once your responsibility is terminated, the account will remain on your reports at a zero balance. If you would like them removed, dispute through the credit bureaus under the reason that they are not yours, which is true. 
Welcome, @Anonymous. 
If it's convenient to keep the AU, keep it. For instance, you might actually like to use the Lowe's card.
But I'd consider losing the Capital One AU if it isn't going to be paid anytime soon. It's just a sliver below being maxed. (90.1% is maxed; 88.9% isn't.)
From a scoring standpoint, your overall utilization is in OK shape, even with all the balances. At 25%, it's in the second best scoring tier.
The Lowe's card's utilization isn't likely to hurt your score. Individual card utilization is determined by the card with the highest utilization, and that'll either be the Discover card or the Capital One AU.
By the way, after getting rid of the balance on the Credit One card, get rid of it. You don't need it anymore.
Hi! Thank you! I do use the Lowes card but not his capital one. We only did AU's to get me rolling with positive credit. All my baddies are gone from my credit report so now concentrating on maximizing my scores, paying off the remaining debt and building better credit relationships. I will remove the AU from capital one and close the credit one account.
@HeavenOhio wrote:Welcome, @Anonymous.
If it's convenient to keep the AU, keep it. For instance, you might actually like to use the Lowe's card.
But I'd consider losing the Capital One AU if it isn't going to be paid anytime soon. It's just a sliver below being maxed. (90.1% is maxed; 88.9% isn't.)
From a scoring standpoint, your overall utilization is in OK shape, even with all the balances. At 25%, it's in the second best scoring tier.
The Lowe's card's utilization isn't likely to hurt your score. Individual card utilization is determined by the card with the highest utilization, and that'll either be the Discover card or the Capital One AU.
By the way, after getting rid of the balance on the Credit One card, get rid of it. You don't need it anymore.
@Anonymous wrote:Hi! Thank you! I do use the Lowes card but not his capital one. We only did AU's to get me rolling with positive credit. All my baddies are gone from my credit report so now concentrating on maximizing my scores, paying off the remaining debt and building better credit relationships. I will remove the AU from capital one and close the credit one account.
@HeavenOhio wrote:Welcome, @Anonymous.
If it's convenient to keep the AU, keep it. For instance, you might actually like to use the Lowe's card.
But I'd consider losing the Capital One AU if it isn't going to be paid anytime soon. It's just a sliver below being maxed. (90.1% is maxed; 88.9% isn't.)
From a scoring standpoint, your overall utilization is in OK shape, even with all the balances. At 25%, it's in the second best scoring tier.
The Lowe's card's utilization isn't likely to hurt your score. Individual card utilization is determined by the card with the highest utilization, and that'll either be the Discover card or the Capital One AU.
By the way, after getting rid of the balance on the Credit One card, get rid of it. You don't need it anymore.
Considering Heaven's wonderful advice, keep the Lowes card but ditch the Capital One account. After Capital One removes you as AU, dispute through the credit bureaus.
@Anonymous wrote:I would remove yourself as the AU of the Capital One and Lowes accounts because their balances are high relative to their credit limits. Once your responsibility is terminated, the account will remain on your reports at a zero balance. If you would like them removed, dispute through the credit bureaus under the reason that they are not yours, which is true.
Yup! Did this with my dad's credit card. My utilization was 98% because I was an AU on my dad's PenFed card which was over $15,000/$16,000. Before I had all the cards in my sig, I only had my Wells Fargo secured card ($1,000) and my Capital One ($300) so his card was killing me! Once he removed me as an AU, I simply disputed the TL through all 3 CRA and it was deleted within the month. EQ took the longest, but the other 2 deleted within a week or 2. My credit score went up about 30 points I believe?
Also, I agree that you should remove yourself from those accounts. They are adding to overall credit, but they're also hurting you because of the utilization. If your husband is planning on paying them off completely soon, though, then you should probably leave them. I don't like being an AU on anyone else's accounts because I can't control what other people are going to spend or do with their money.
You seem to have a good amount of cards, and having 3 is what is going to get you the score boost, according to many posts on this forum. Those are just my 2 cents, and I'm sure you'll get some other/better advice here! The people on this forum are amazing and have helped me boost my score about 100 points since I first joined.
