I am in the process of rebuilding my rating to buy property in the future. My boyfriend listed me as an authorized user of his Discover which is almost maxed out at 5000. I made the mistake of paying off my accounts and closing them, rather than leaving them open with no balance. This hurt my FICO by app. 70 points. Should I leave the Discover or get it off my report? I need help raising my scores: 573, 613,607. 1 installment account (car) 8000 no lates. 1 credit card 0 balance-no lates, 6 collections-all paid-1998 and in dispute. 2 charge offs in dispute-they were Credit Cards I never used. 1 Charge off that is paid, Sorry so long I am trying to give a clear picture.
How recently did you close your accounts? If recent, can you try to call and see if they'll reopen? You need open accounts, but now it appears that you're almost maxed. You need more available credit to offset the balance.
