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Will the removal of my name from my newly ex-wife's maxed out $8K Visa card raise my credit score??
Will the removal of my name from my newly ex-wife's maxed out $8K Visa card raise my credit score??
Asked by
stljeremy79
1 year ago
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It depends on your score and credit limits. If you have a terrible score and no other credit lines it might hurt. If you have good credit and serveral open credit cards in good standing then it should help.
hardeight 1 year ago
If you alredy have a high utilization and you have cards maxed out of your own, then closing this would decrease your available credit, thus driving your utilization even higher . Your score will definately take a hit. On the other hand, if your utilization is very low , then you have nothing to worry about. Close it . Keep in mind that this may lower your AAOA if it is one your oldest accounts. This in it self could lower your score.
traceyfry 1 year ago
I see. But if the card is CURRENTLY maxed out, and I get my name off of it, how would that change my utilization?
stljeremy79 1 year ago