dee333 Posted January 1, 2015 Report Share Posted January 1, 2015 Good Afternoon All! For the last 7 years I have been an authorized user on my Dad's acct. It is showing on my report as 17 years of great history, up until last year my Dad battled cancer and had a 30 day late, and he has continued keeping his utilization on a 5K balance at 90%. I have 2 of my own credit cards with small balances under $500, and 3 other negative items, that I am fighting. My question is should i delete the authorized user account and lose the history or leave it as is? Thanks for your help. Quote Link to comment Share on other sites More sharing options...
willingtocope Posted January 1, 2015 Report Share Posted January 1, 2015 Best wishes for your dad... Unless you live with your dad and are still under 23 or so, FICO ignores the AU accounts...it has no effect on your FICO scores. I'd suggest you delete it...just in case your dad has to default and some collection agency decides to come after you for the money. 1 Quote Link to comment Share on other sites More sharing options...
dee333 Posted January 1, 2015 Author Report Share Posted January 1, 2015 Thanks for answering and your kind words! that's information, my credit monitoring site shows this debt so that scared me, but that's a relief! 1 Quote Link to comment Share on other sites More sharing options...
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