AU Helping or Hurting

[Anonymous]

Hi All -- there are several threads on this topic, but I wanted to post my specifics and get your feedback.

About 5 years ago, my father added me as an AU on his Discover Card with a $17.5k CL.  At that time, there was a $0 balance and it boosed my FICO significantly (and helped me land our mortgage for our first home).  Now, that card has a $7,500k balance and is affecting my utilization significantly.

My question is, which option is better:

1. Keep AU -- AAoA is 6 years, and this AU account represents my oldest about at 25 years, utilization is 42%
2. Remove AU -- AAoA becomes 5 years, oldest account is then 13 years, utilization becomes 17%

Thanks in advance for your help!

[Booner72]

You could always take yourself off and see, and if it is too horiffic go back on.

[Anonymous]

Indeed, there always is that option.  However, I guess the questions really boil down to:

1. What's the general impact of going from AAoA of 6 years to 5 years
2. Will an oldest account of 13 yrs have an impact on my score which has a current oldest account of 25 years?

Thanks!