I plan on closing my oldest Cap1 card and adding the CL to my QS WEMC. My husband is an AU on the card I'm closing.
If I leave him on there when I close it, will it stay on his reports as a postitive closed account?
If I remove him as AU prior to closing the account, will it just disappear from his report?
I am trying to decide whether it would be better to remove him prior to closing, or close while he's still on it. Will it make a difference?
I would love for him to get a bump if it gets removed since it should improve his AAoA. Or is it even included in AAoA in the first place?
Any advice would be awesome! 
Cap-1 leaves the AU on report as a terminated relationship, if you want it gone he would have to call and ask them to pull it and if they refuse then he would need to dispute it off as not responsible for account with the CRAs. Its included in Fico AAoA unless a creditor explicitly asks for AUs to be excluded from the Fico score calculation.
@Anonymous wrote:
Thanks, gdale! So it sounds like it would stay on either way. When you say "terminated relationship," it sounds scary! Will it say "Account closed by consumer?" I think having a positive account, even a closed one, would be good, and AAoA will get better over time.
Cap-1 doesnt, it will just say relationship terminated, an AU cant close an account and isnt the consumer so it wont say that.
@RobertEG wrote:What are your husband's current scores?
Is he in the rebuilding stage?
What I am hinting at is whether it might be best for him to remove the AU, regardless of the three-point score impact being positive or negative.
With an AU in his report and scoring, his score is not representative of his own risk analysis, and a manual review may result in questioning of the value of any score that it not based on only his own history. Once past the rebuilding stage, removal of AU accounts may be preferable in order to provide a "real" score.
Thanks, Robert!
His current scores are EQ 647, TU 655, EX 659, per CCT. He is rebuilding.
He currently has:
Cap1 QS (PC from Platinum) $750
Fingerhut $1400
Merrick Visa $900 (will double to $1800 after 7th statement)
Gander Mtn Store $500
Cap1 Platinum $500
AU Cap1 QS (PC form Platinum) $4300
AU Discover $3300
He was AU on these two before getting his own cards.
I will probably take him off the Cap1, but maybe leave the Disover until his limits go up a bit or he gets his own Discover. He's tried, but they aren't ready to approve him yet.
