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Maxaroo1

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Should I remove my mothers accounts from my credit report?
I had a bankruptcy 4 yrs ago. My mother read somewhere that she could add me as an auth user to her accounts to help me re-establish credit faster. I had since added accounts of my own and my score is now 634. I have not used any of my mothers accounts. Over the years she has consolidated her accounts, she had 8 accounts w/ balances, she has now balance transferred so she has 3 accounts - mostly full balances - that she pays on. But since her accounts show on my report, it looks like I am utilizing more than 30% myself. I realize her accounts show older history than mine, so I don't know which way would be best for my situation? Any help is greatly appreciated! Thanks.

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Utilization has much more impact than AAoA.

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