I'm 24 years old and I have no credit cards in my name. I'm on 3 accounts as authorized user with my parents. However 2 of the accounts have a high balance and are almost maxed out. The only debt I have are school loans, so my debt ratio is high which lowers my score. The only other accounts I have are my checking account and savings. My mom pays all her cards on time and is never late and pays more than the minimum. I was wondering if I could raise my score by being removed as authorized user or would taking off the only credit cards I have lower my score. Or take my self off as authorized user and apply for my own credit cards( and never use them) to raise my score.
