Being Authorized User

[Yodah]

I am a AU on my wifes Old Navy account which is about 5yrs old. That is the oldest reporting account on my CR. and my AAoA is figured with that account.  My scores are taking hits (10+) due to new accounts, and three of them haven't even reported yet...smh.   As I am done obtaining new credit for the next 6-12 mos, if she added me as a AU to her oldest account which is about 17yrs old..... will that help my AAoA. I know they changed how they factor in these things and how they effect scores

Thanks

[Anonymous]

Nope. It will actually hurt to my understanding. It will only report the date you were added. Other members may disagree but that Is my experience. 

[Burned2manybridgesB4]

---

@Yodah wrote:

I am a AU on my wifes Old Navy account which is about 5yrs old. That is the oldest reporting account on my CR. and my AAoA is figured with that account.  My scores are taking hits (10+) due to new accounts, and three of them haven't even reported yet...smh.   As I am done obtaining new credit for the next 6-12 mos, if she added me as a AU to her oldest account which is about 17yrs old..... will that help my AAoA. I know they changed how they factor in these things and how they effect scores

Thanks

---

---

@Yodah wrote:

I am a AU on my wifes Old Navy account which is about 5yrs old. That is the oldest reporting account on my CR. and my AAoA is figured with that account.  My scores are taking hits (10+) due to new accounts, and three of them haven't even reported yet...smh.   As I am done obtaining new credit for the next 6-12 mos, if she added me as a AU to her oldest account which is about 17yrs old..... will that help my AAoA. I know they changed how they factor in these things and how they effect scores

Thanks

---

What's the "oldest account" type?

[Skye12329]

From my experience or seeing anyways it should help. I added my sister, BF, and friend to a few of my cards and all of the history is reporting on their reports from the time of opening the card. I added them months after opening.

[Burned2manybridgesB4]

---

@Anonymous wrote:

Nope. It will actually hurt to my understanding. It will only report the date you were added. Other members may disagree but that Is my experience. 

---

If you're referring to being added as an ACM to an amex for the first time, you're right. BOA, for example, if they report for the AU, will give whole history.

[Yodah]

Its a limited store card......she's had for a long time...... I have never used the Old Navy account but the balance and CL effects my UTL like its my account....