Removing myself as authorized CC user

[Anonymous]

I'm currently an authorized user on a credit card in my wife's name. It is being reported on my credit report, but due to a recent 30day slow, it's dinged my report some. If I remove myself as an authorized user of the card, will the account be removed off my fico? Thanks!

[Anonymous]

Yes, it will be removed for all scoring purposes.

[Anonymous]

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guiness56 wrote:

Yes, it will be removed for all scoring purposes.

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I appreciate the response, guiness56. Now to determine what's more beneficial--the 6 yr history of this account w/ last month's 30day late, or no acct record at all...<

[Anonymous]

A recent 30 day will certainly have a big negative impact on your score.  Did you see a drop?

Without this account, what is your AAoA?

Personally, I would rather have a clean report than lose points for AAoA.

[RobertEG]

An additional plus would be that after deletion of the AU, your credit report and resulting score will then reflect only your own actual history, and thus risk.

Whenever a score is based in part on reported history of another, a credtior cannot, if they desire, determine your own personal score based on only your own history.

They cant "back out" history of another.

[HiLine]

Follow up question - will there be any traces left from being an authorized user? 

[llecs]

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@HiLine wrote:

Follow up question - will there be any traces left from being an authorized user? 

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The TL will completely disappear once removed as an AU.

[Anonymous]

All of its history, payment info, etc.  Like it never existed.

[HiLine]

Ah I see! Thanks for your responses!