@FlaDude wrote:My daughter's FICO went up around 40 points when I removed her as an AU on a $7k account that was over 90% and added her as an AU on a PIF account with a $30k CL. Her only other card had a 3k balance on a 4.5k CL during that period and that didn't change. She also has a car loan but it didn't cross any major thresholds during that time. The new AU did reset her AoYA, but didn't have much effect on her AAoA so that in theory could have had some lowering effect on the scores.
I'm a firm believer that AU UTI matters.
Oh UTI on AU accounts 100% matters! My dad had me as an AU on his Penfed card which was 98% maxed out. I only had one other credit card at the time with very low limits, but very low balances. My overall UTI was 97%. As soon as I removed myself as an AU, my UTI came down to almost 0%, and my scores went up quite a bit. Can't remember exactly how much, but I remember it being a significant amount.
He's been paying the card down significantly, and as soon as he does, I'm going to have him add me back on. It's an older account, so I would love to have that on my reports again.
