Other than the high utilization, does she have any delinquency listed on any of the accounts? The best scores for utilization are achieved by being under 10%. So theoretically if you dropped the au accounts you’d be under 10%. But I don’t know how that would be offset by the decrease in score for AAoA. However, think of it this way, utilization is 30% of your score. Credit history is 10%. You could probably drop her accounts and see what happens. At worse if you take a bigger hit than you gain, she can add you back on.
Goal Scores: 700 across all three
It depends on if dropping your overall credit, increases your utilization. Optimal utilization is gained (I believe) when individual revolvers are reporting below 8.9% and aggregate (overall) utilization is below 28.9%. I could be wrong on the exact numbers as I am still learning myself. I am currently using the AZEO method for my cards. But if you're just talking about dropping the authorized user account and losing that portion of your available credit, then the answer should be no. Really, that au account is probably doing more harm than good, even if it is a major part of what lenders see as your available credit. People have used secured cards with really low limits and had low utilization and built up their credit scores. A lender would rather see someone use a low credit limit responsibly than to see someone with a very high amount of credit use it recklessly.
