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New Contributor
Posts: 66
Registered: ‎03-04-2009
0

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
Posts: 4,214
Registered: ‎09-12-2008
0

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 Smiley Wink  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
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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
Posts: 66
Registered: ‎03-04-2009
0

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
Posts: 4,214
Registered: ‎09-12-2008
0

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 ......... Smiley Very 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
Posts: 66
Registered: ‎03-04-2009
0

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 ......... Smiley Very 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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