When I was back in college my mom added me as an authorized user to her credit cards. I have now graduated and been paying my own student loans (on time) for the past year. In checking my credit scores, I realized that she is using a large portion of her available balance on these credit cards, but has not made a late payment.
My credit scores are in the low 700's but I am looking to get a car loan in the near future. I was wondering if it would be better to be removed as an authorized user (which would lower my debt-to-income ratio as well as the percentage of my credit I am using) or leave them on there (in favor of a longer credit history--if these two cards were removed my credit history would only be for the past year for my own student loans). I am not sure if losing my credit history would be worse than having a large balance on these cards (since they are paid on time).