Will getting my name off joint account help?

[Anonymous]

My mom and I have a joint CC. I've never used it, but there is a balance (all hers) of $13K.

With this card, I am using 23% or my revolving credit (13315/57100= 23%)

If I got rid of this card, I would be using 1% of my revolving credit (272/35700=1%)

Since it is all of her debt, she is willing to take me off it now. However, does anyone know if she takes me off of it before it is paid in full, will it hurt my credit score? Or does she need to pay it off before my name is removed? Or should I just stay on it?

Thank you for your help.

[Anonymous]

Are you an authorized user or is it joint? Cause most joint accounts won't let your name come off. All you could do is pay it off and close it! If your an authorized user they can just remove you and it won't hurt your score unless it's your oldest account and if the balance gets higher that could hurt!

[LIGHTNIN]

@Anonymous wrote:

My mom and I have a joint CC. I've never used it, but there is a balance (all hers) of $13K.

With this card, I am using 23% or my revolving credit (13315/57100= 23%)

If I got rid of this card, I would be using 1% of my revolving credit (272/35700=1%)

Since it is all of her debt, she is willing to take me off it now. However, does anyone know if she takes me off of it before it is paid in full, will it hurt my credit score? Or does she need to pay it off before my name is removed? Or should I just stay on it?

Thank you for your help.

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I agree with PrettyLady1.

Sorry for all the questions, but need more info in order to help you on this.

From your numbers I got $21400 as a CL (credit limit) on this CC.....Is this correct?    is she still making charges on this CC?

Is there any late payments on this CC?   And is this your oldest CC?

Also your total CL is 35700, right?

Does she have another CC in her name, that she can do a balance transfer with?