wrote:
I’m currently in the process of cleaning up my credit report prior to my chapter 7 discharge. My Current FICO score is 542. However, my husband has me as an AU on 2 of his capital one accounts. He has 2 late payments reflecting. One of the account lates is 2+ years old and the other is recent. Even though I’m only a AU is this hurting my score even more? Should I remove myself as an AU and have the accounts removed from my credit report?
Yes its hurting you more. I would remove myself as AU on anyones cards that have lates in them. The recent one is doing the most damage.
