Getting AU off report

[Anonymous]

My friend added me as an AU on her card, unfortuneatly the first time she did this she added me to a card with a $7k balance and a $60k line so I think I only got the balance added and not the utliziation (since large lines don't report)

She took me off and added me to a better card ($0 balance, $15 k line).

The first card still shows on TU and Efax.

Do you think that on net scoring, I'll do better to get rid of the 20 year AU and high-CL (even though not reporting) given that it is adding $7k to my balance (about 1/2 my total balance, and I've paid recently $5 so I'll drop from $17k to $5k)

Do I risk losing points because i'm reducing average length of credit?

[Anonymous]

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@Anonymous wrote:
My friend added me as an AU on her card, unfortuneatly the first time she did this she added me to a card with a $7k balance and a $60k line so I think I only got the balance added and not the utliziation (since large lines don't report)

She took me off and added me to a better card ($0 balance, $15 k line).

The first card still shows on TU and Efax.

Do you think that on net scoring, I'll do better to get rid of the 20 year AU and high-CL (even though not reporting) given that it is adding $7k to my balance (about 1/2 my total balance, and I've paid recently $5 so I'll drop from $17k to $5k)

Do I risk losing points because i'm reducing average length of credit?

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The CC with the 60k limit would be considered by the scoring model to be an installment loan, so it doesnt effect your revolving UTIL one bit. You do however still get credit for the history on that card. So in your case you will be risking losing points due to you removing overall length of credit history