@Anonymous wrote:
@credit8502020Cosigner is the same thing as joint, so you’re both primary, there is no removing anyone from either of the accounts.
Now that I think about it awake, lol, I think you can only do early exclusion to remove entire accounts (@Anonymous right?), so I don’t think you qualify for that, if I recall correctly because it wasn’t charged off or sent to collections. Sorry. But that would remove the whole account so you don’t want that anyway.
There’s no way to do anything more for her account than your account. Anything that happens, should happen to both as you are both responsible. I think your best course of action is to allow the lates to age off of Navient next year and then it will be a great account for age for both of you.
For the discover, you’ve just got to do the Goodwill saturation technique and pray you can at least get the 60 day late and higher off at least, so both of you can reassign to a clean scorecard; otherwise you have to wait them out, but you do get points back I think at 6 months, 12 months, and 24 months and then at 7 years.
So you should’ve seen some points the first of this month for the 60 day late aging to 2 years on 8 & 9 (and scorecard reassignment on the mortgage scores along with a possible drop) and I would expect some the first of next month for the 30 day late aging to 2 years. Did you see points the first of this month?
Ok. Gotcha. Regarding the points, I'm not sure if I had points for the aging of the lates because I saw movement due to the utilization going down by paying down one of my credit cards and also when my Mother added me as an AU. Yes, I'm hoping to see an increase since it will be 2 yrs since my last late. I'm going to just keep moving forward to keep rebuilding.
