Is MY Status as Auth. User Hurting MY Score?

[Anonymous]

My scores are a little above average, however, I see listed on my reports a credit card account on which I am only an authorized user. The card balance, however, was taken very high and remains there (over 70%). All payments have always been on time and usually above the minimum. Did this affect MY scoring and if so would the removal of me as an authorized user at some point raise my scores? Thanks! I searched like crazy online but found only information about piggybacking, the changing - or not changing - rules, credit repair scams, and so-forth.

Message Edited by CreditCat on 11-01-2008 11:40 PM

[Junejer]

Hi creditcat. Without more information, we can't tell you how much the impact is on your score. Generally speaking though, a 70% util is killing you. But, without knowing credit history, length or credit, AAoA, any baddies, etc., it's hard to tell the impact on your scores.

[Anonymous]

What is your overall util with and without this card?

Is this the only revolving account on your reports?

How old is this account?

How old is your oldest account?

[Anonymous]

Yes - I should have given a bit more information - and I do appreciate the replies. Today at work I was able to get with some good advice that has already helped quite a bit. Thanks again - I'll be a regular - hopefully not one with problems to bug you with!

[AdPray123]

Hi Credit Cat,

I have been looking for info on this also. Would you mind sharing the helpful info you received? Thanks in advance.

[Breakthecycle2]

How does one get the AU status removed from your CR, but still remain an AU?

[Anonymous]

   If you want it deleted then you need to file a dispute as *not mine*  

[Breakthecycle2]

And what about when AMEX were to report again?

[Breakthecycle2]

Anyone?