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medasst88

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is my parents credit affecting mine
My parents have an active credit card that I am listed as an authorized user on. They have a $30,000 limit, and normally pay on time. However the balance due is under $5000. I feel like this is affecting my score. I don't have an actual card and only have one credit card of my own in my name. Help?

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Since the utilization on that card is below 30% of the credit limit (which it is), then it is not hurting your score, it is helping it.

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