Just started building my credit about 6 months ago and i now have three credit cards with the following limits 3k,7k,7k. My question is these cards are new and i was wondering if i add my wife as an authorized user will this help her score ad far as utilization ratio. Her score is currently 670 but we’ve been working on paying down her balances she is at a 58%. But she also has around 7 years of history. Please advice.