fico & authorized users

[JcT21]

i have been an authorized user on my DW paypal mastercard since i filed bk13 in 2017.   it has a 3,500 CL.   its one of those cards we just dont use.  we get a tank of gas on it about twice a year to keep the bank happy.    she is considering closing the account, which i assume will remove it from reporting to my credit report.    will that be seen as negative against me and potentially drop my score?   even without the card reporting that credit line,  my total utilization would still be 1-2% of what credit i have rebuilt on my own.  i do the azeo and keep it low. 

thanks for any advice..... 

[simplynoir]

No, it should show both on your and your DW's credit report as closed with a $0 balance. In your case unless Paypal on your behalf removes the account from your report it should still be there up to 7-10 years and aid your account with regards to AAoA and perhaps even AoOA depending on what your other card stats are

In the event that it does get removed, if you other credit cards are in good standing the only affect I can maybe see is the average age of your accounts is all. Even then I don't think it should impact it much unless it's a really old card that was helping prop your aging stats on your reports. As you mentioned your utilization is fine and practicing AZEO keeps your scores at their very best