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mcooper

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  1. If I asked her to take me off how badly would it affect my credit score? A few points or would it be a big hit?
  2. Back when I was 16 or so, my mom added me as an authorized user on her American Express credit card. She has always paid the balance, never been late or anything. But now I am 31 and have my own cards and loans. Currently I have one card that has a small balance of $163 and a auto loan with a balance of $3,000.00. My husband and I are about to start looking for a home in the next 6 months to a year. I just created a credit karma account for the first time and seen that my mom still has me as an authorized user on her American Express. She still continues to make her payments on time and hasnt been late but her balance is really high. She owes close to $10,000 on that card. It shows on my credit that I am over $12,000 in debt. Will this effect my husband and I getting a mortgage? My husband has about $10,000 in debt on his credit report and we have been working really hard to pay our debts down to afford a mortgage. I personally will be debt free by August of this year but my husbands debt will take another 1.5 years to finish paying off. As of now my credit score shows to be 805 and 806. If I am taken off as an authorized user will it effect my credit. Im assuming it will make my score go down slightly. Any suggestions on what to do. Should I ask her to take me off or should I keep it on?
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