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Authorized User PROS AND CONS

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Valued Contributor

Re: Authorized User PROS AND CONS

If tradeline has no negatives, then there is nothing negative about it assuming low util, etc.  I still have an AU account from my parents from when I was 16ish.  I guess I am still an AU on that account and never have bothered having it removed.  The only annoying thing about it is that they have a reported balance on it when I am trying to do the 0 balance but 1 thing.

 

Various scoring methods may discount AU accounts and at one point FICO wanted to completely discount them.  But they help to some extent so a positive account can't be a bad thing.

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