Will adding this AU account help?

[cdtotten]

Hey everyone,

My current utilization is at 55% (yes, very high and working on it). I am going to be applying for a mortgage in the near future, and I have requested to be added as an AU on her home depot card. The card wont really hurt my AAoA, although it won't help either. What it will do though is bring my utilization down to 43%. 

Should I get a decent bump out of this bringing me below 50? It is also going to make it easier to hit the other major thresholds.

My current EQ Fico is 697 if that helps.

[Anonymous]

I am not sure about the AU helping or not.  If it is older than your oldest account, it might.

Even 43% is still high.  10% or less would be better.

[cdtotten]

I do understand that under 10% is the goal with 1 card reporting, but that truly isn't a possibility in the time frame before my mortgage. I could pay it down to under 10%, but wouldn't have enough for down payment which is never good.

Thanks

[laz98]

it's hard to say what kind of change you would see in your score.  could you maybe get it down to 30%?