Finally, credit card programs enable small businesses to receive payment more quickly than they could with
an individual credit account system.
The FICO scoring model takes into account the utilization of
each individual credit account; and the utilization of all of your credit accounts combined.
You can't, however, see the details for each of
your individual credit accounts.
Remove one another from
all individual credit accounts as soon as possible.
Pay off any joint debts as soon as possible and cancel all jointly held credit cards and to set up
individual credit accounts.