Auth user score decrease

[pkenn]

I had my wife take me off as an AU because she was about to do a balance transfer onto the card and my score dropped 20 points!! WTH??

[Anonymous]

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@pkenn wrote:

I had my wife take me off as an AU because she was about to do a balance transfer onto the card and my score dropped 20 points!! WTH??

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if you carry balances that report to your credit report then once she removed you as an AU then your utilization would jump up causing your score to drop. Without more info it is hard to tell but this seems like the most probable cause

thanks

Mark

[pkenn]

Thank you

so all my cards have a zero balance except for $600. I have $80k available credit but the card she took me off of was a $12k cl.  Will it bounce back or maybe i should get another card?

[Anonymous]

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@pkenn wrote:

Thank you

so all my cards have a zero balance except for $600. I have $80k available credit but the card she took me off of was a $12k cl.  Will it bounce back or maybe i should get another card?

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You don't need another card. On the card that you owe the $600 on what is the CL on that card?

How old was the card she removed you from? how many months and or years old was it?

Now, what is your oldest credit card on your report?

Do you have any 30 day lates or worse now on your report?

There has to be a reason for the score drop but again, not enough info to figure out why

Thanks

Mark