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1tchamp

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does zero balance credit cards that are not mine affect my credit score/debt to income ratio?
there are 4 credit cards on my report that shows a zero balance, all are over 7 years old. (1) How do I have them removed?
(2) Are the available balance affecting my debt to income ration?

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Never remove old accounts

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Its called "credit history" for a reason.  A big percentage of your score is based on how long those accounts have been open. If you ever want a score over 800 you need accounts to reach 20 years old. 

It reflects in your utilization rate:  the ratio between how much credit you have available (total of all open accounts) vs the balances on those accounts,  Type "utilization" in the search bar and read up on it.  

Good Luck 

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