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New Contributor
scorechaser
Posts: 66
Registered: ‎03-04-2009

AU question

so my scores are not very good. my SO's are. would him adding me as an AU on one of his high limit cards that sits at a zero balance hurt him as much as it may help me?

 

 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: AU question

Adding you to his account as an AU will have no effect on his credit, unless he give you a card and you spend it up :smileywink:  On the other hand, if he pays late, maxes the card or otherwise has any negative on that card in the future, it will affect your credit.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
scorechaser
Posts: 66
Registered: ‎03-04-2009

Re: AU question

[ Edited ]

you're so helpful! he never pays late. and he rarely carries a balance. now the problem is convincing him to do it.

 

what happens if after a year he removes me? itll hurt me huh?

 

thanks a bunch!!!

Message Edited by scorechaser on 03-29-2009 05:31 PM
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: AU question

Well, probably your best bet is to ask him to add you and not give you a card....that you don't need access or use of the card, just to be reported for a time.

 

After that, I suggest mowing his lawn, weeding the flower garden, washing his car ......... :smileyvery-happy:

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
New Contributor
scorechaser
Posts: 66
Registered: ‎03-04-2009

Re: AU question


txjohn wrote:

Well, probably your best bet is to ask him to add you and not give you a card....that you don't need access or use of the card, just to be reported for a time.

 

After that, I suggest mowing his lawn, weeding the flower garden, washing his car ......... :smileyvery-happy:


lol nah ill just remind him that if he eventually wants me to refinance the house loan into my name i need credit help.

 

you have been most helpful today. thank you!

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
EQ FICO--(2/09) 534 (3/09) 619 (4/09) 626 (3/10) 671
TU FICO--(2/09) 628 (3/09) 640 (4/09) 649 (3/10) 680
EX FAKO--(2/09) 580 (3/09) 643 (4/09) 643
UTIL (2/09) 115.4%!! (3/09) 27% (4/09) 22.5%

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