Utilizing available credit

QuestionsUtilizing available credit
asked 2 years ago

I have credit scores in the mid 600’s.  I have a few lates from 6 years ago, but the thing that’s hurting my score the most is I’m using 89% of my available credit…according to FICO.

 

So, my question is….I’m an authorized user on my wife’s Home Depot card.  It has a $ 7,500 balance of the available $ 10,500 credit limit.  But we’ve made perfect on time payments since 2013.  Would my score benefit if she took me off as a user or would it be a wash, since we’ve made all of our payments on time over a 4 year period?

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