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Contributor
drboxing
Posts: 80
Registered: ‎09-19-2012

Authorized user

Was added as an authorized user with Discover IT. It's showing on my CR, how much will it help my CR?

Starting Score: TU 614 EX584
Current Score: TU 650/EX 650 (Walmart)
Goal Score: 710


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Valued Contributor
daybreakgonesXe
Posts: 1,747
Registered: ‎11-17-2012

Re: Authorized user


drboxing wrote:
Was added as an authorized user with Discover IT. It's showing on my CR, how much will it help my CR?


That depends; if it is an old account, utilization below at or below 9%, and perfect payment history, it'll help your report and scores significantly :smileyhappy: but then again, it depends what else is on your reports...baddies, high utilizations, and late payments can sometimes mask the good!

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 709 TU FICO 746 Credit Karma (TU) 780 Transrisk 821/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 733
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Authorized user

Depend on many other factors :

  • credit limit
  • History
  • payment history
  • Utili.....ETc.........

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k


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