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will removing my name from authorized user help my score?
My husband has 5 credit cards that he has listed me as authorized user. All accounts have always been paid on time but are pretty much maxed out & increased my debt by about 5K. We also have a joint car loan also always paid on time and I have 2 credit cards in my name also paid on time but I do have 2 collections on my account from years ago whihc keep popping up. If I remove my name from his cards will my score drop? I want to apply for a mortgage in my name but they say the debt to income ration is too high but if the score drops too much then I will not qualify to meet the minimum credit standard needed.

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