11-12-2012 09:15 PM
In October I was added as an AU on a 24 year old FIA Mastercard, $9.6K limit, no lates ever, very low balance currently (about $90).
My EQ on 10/31/12 was 658 (myFICO). My own total CL reporting then was $13.7K (I have two new cards approved but not yet reporting).
My AAoA was 1.1 years, after an app spree in Aug. and Oct. Util. was about 23%.
After the AU started reporting, that put my AAoA at 3 years, and my Util. went down to 13.1% ( I also had 2 small CLI from Walmart & Amazon totalling $700 between 10/31 and today).
The best part - with the only difference being the AU added and the 2 GE CLIs - is that today my EQ from myFICO reported at 683 , a 25 point increase!
So it really does work!
Again, I'm very grateful to everyone here. I would have never known about the "AU effect" on FICO scoring if I hadn't read it here!
11-12-2012 09:34 PM
11-13-2012 10:40 AM
Grats! Feels great don't it. Same here when I was added to DW Freedon with a 12K cl.
Question: My DW just added me to her Freedom. Chase only asked for First and Last name. I'm curious and skeptical how Chase knows it's me (her husband) to add without asking for SSN?
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