[Kelly]

I want to close 2 of my oldest credit cards because my ex is still on them. He might need to his good credit score in about 2 years.

[Lisa]

His score will bounce back by then, just close them as long as you have others open and active and underutilized you should be fine.

[Jakki]

I cancelled two cards, both older, and my score went up. My utilization is typically around 5% and I pay in full monthly.

I think your utilization will have a bigger effect than closing the accounts will.

[Lexi]

Is he an authorized user on yours or the other way?

I think average account age is a low % factor like 10% of your score but if you can keep it open for yourself that’d be probably the best outcome.

Consider browsing: Never received a bill – Would all of this affect my credit score?

[Elena]

Remove him and keep the cards open for yourself.

His credit score will bounce back within 6 months. Though very likely less.

I removed myself off of 2 of my ex’ cards and it took about 3 months for my credit score to catch up.

[Melissa]

Why close them, just remove his name.

[Author]

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