@_Lin_inc There’s a good chance she’s just an authorized user, not that the whole account is in her name. Not sure about all of the credit bureaus but but I know Experian doesn’t ding you for late payments on accounts where you are an authorized user. Just the credit utilization.
@GrahamStephan@_acap_acap Depends where you are in the amortization. I’d still pay off a 2.875% mortgage if I was in the first couple years of a 30yr amortization.