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akmclemson

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Will being removed as an authorized user on a credit card negatively impact my credit score?
Years ago, my parents added me as an authorized user to two of their credit cards to help give me credit history. I've since established my own credit and have credit limits with $25,000 limits that I pay in full each month. When I check my score, the only balances are from my parents' credit cards (about 30% utilization at all times). Will my score be negatively affected if I'm removed as an authorized user? These cards are also my oldest credit lines, probably by 5 years. I know age is a positive credit score factor. Any insight is appreciated!

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oops

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didn't see your full description before i replied, so, yes, if that's the oldest card it will probably lower your score a bit. 30% CCU is healthy though, so why remove it?

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depends

if that card is old, it's keeping your "average age of accounts" high. Removing it will lower the average age of your accounts which will effect your score.

Look at your credit factors 

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