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Question By
girjock67

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Credit Card Utilization score
My credit card utilization grade is a C. On my open credit cards there are 2 cards that I used to be an authorized user on that I am no longer on. This seems to be why my grade is so poor. How can I be penalized for cards I no longer am able to use?

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Because you lost that available credit, your utilization has changed.  Any time you close out accounts, that is the result.

Reply by
girjock67

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So if I was just removed as an authorized user on those cards it means the same as if I had closed them ?

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