Authorized User

[srob67]

Hi all,

     My wife has a high utilzation on one of her credit cards< 84%, so she took me off as a user. How long does it take to update on my credit report and should my score go up?

[Adkins]

Depends on the lender, most seem to update in 30-60 days. As for your score going up, it depends on the rest of your available credit. If your available credit is is a better ratio without this card, your score can go up. But, you score can also be hurt if you don't have a lot of older cards, and the removed AU card will then lower your overall card age and credit score. 

[Gramz]

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@Adkins wrote:

Depends on the lender, most seem to update in 30-60 days. As for your score going up, it depends on the rest of your available credit. If your available credit is is a better ratio without this card, your score can go up. But, you score can also be hurt if you don't have a lot of older cards, and the removed AU card will then lower your overall card age and credit score. 

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+1

@everything here depends on your credit report. @Adkins he summerize it good