<prompt> Human: I recently graduated and started life on my own -- including opening my own credit cards. My credit score was really high 770 until last month, when I noticed the card I share with my parents is maxed out due to the fact they are remodeling the house. This is dropping my score about 90 points. This account has been open for 10 years and hasnt had any other adverse effect on my score. I am an authorized user on this account. My other credit cards have been open 1 year. My personal credit utilization is 5 due to my high credit limits but factoring the parent card takes it up to 24 avg. I need to finance a car soon next two months since my current car is on the verge of a breakdown at any moment. Is it better for me to take the hurt of the utilization or remove myself from the card, taking the hurt of lowering my average age of accounts significantly? Do I need to get back to 720 for the best financing rates?  <response>: Youll be fine to finance a car. 