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New Contributor
drboxing
Posts: 51
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 614/EX 630 (Walmart)
Goal Score: 710


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Established Contributor
daybreakgonesXe
Posts: 758
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!

 photo creditsiggy_zps3dd006fd.png
EQ FICO 727 Credit Karma (TU) 6/12/13 758 Transrisk 6/12/13 830/990 CreditSesame (EX) 6/4/13 770 Credit.com (EX) 6/13/13 747 FICO Estimate 750 Vantage 3.0 Estimate 727
Valued Contributor
nicholasyud
Posts: 1,678
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: 3k | Amex Green: NSPL | Cap: 2k | Disco: 3.4k | ORchar: 0.4k


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