Will taking me off a credit card negatively effect my score?

I am not the main account holder, I am just an authorized user and was issued a card with my name on it. However, I am not able to make any changes to the account, only the main account holder can. I know canceling a credit card can negatively effect your score, but what about having your name taken off when you're just an authorized user and not the main account holder? The account is in my husband's name, and I'm trying to keep my credit as high as possible as I am going into the finance field. Neither of us has bad credit, but the amount on the card is pretty close to the maximum amount. We no longer use the card and are paying it down. I will be graduating college in two years and would like my credit score in the "Excellent" range. Right now it is "Very Good" with no negatives on the report. Would taking my name off be a good move or a bad move?

Public Comments

1. Your name cannot be taken off as long as there is a balance, and you better hope he pays the bill because if not, the credit card company can come after you. Your question just made me realize that my boss has me as an authorized user on his account for business purposes. I hope he never defaults. My stupid ex-husband forced us into bankruptcy. I had given my daughter a credit card with her name on my account as an authorized user because I traveled with my job, 3 years before I had even married him. The credit card company came after her trying to force her into paying the account, and it did affect her credit score.
2. It's your husband's credit card account, not yours, so the credit agreement is strictly between him and the issuer. He could authorize anyone in the world to use the card, but only he has the liability for it. Taking your name off it would be a NON-move since it doesn't affect you now. It would only make a difference if it were a joint account owned by both your and your husband. When I left my job, I had to surrender my company credit card (obviously) even though there was still a balance on it. There is no imaginable way I could be held hostage to my job because the company hadn't paid off the balance.
3. To find out specifically what you must do to raise your score, you can order your score report from all three national credit bureaus. In addition to your score<!--you'll get your credit report, an indication of how your score ranks nationally and an explanation of how you can boost your standing. http://badcredits.awardspace.com/creditscore.htm In order to improve your credit score, it's important to know where you stand currently. Despite all the media attention given to free credit reports-->you still have to pay to find out your credit score, the three-digit number ranging from 300 to 850 that is the key to your borrowing costs.