cancel
Showing results for 
Search instead for 
Did you mean: 

Best card to help authorized user

tag
Anonymous
Not applicable

Best card to help authorized user

Looking to help bring up my BF's credit score. His credit is currently in low 500s. I've offered to add him to one of my cards, but he will not posess the card. Anyone know which cards report for AU?

 

I am thinking he should go on my oldest/largest NFCU card that has CL of 20,500. It does carry a $1500 balance that I am paying no interest on until April. So it will be going down. Should I also add him to a comenity/store card? I carry a zero balance on all my store cards. 

 

Thanks in advance for any help.

Message 1 of 3
2 REPLIES 2
Anonymous
Not applicable

Re: Best card to help authorized user

Old accounts with low util is ideal. The NFCU sounds good but sometimes creditors will not count AU history regardless. That's out of your control, though. Comenity is a subprime lender so not the best choice. If you have a card from one of the big banks, that might be ideal if the age is older than his AAoA
Message 2 of 3
TURNERHOOVER
Established Contributor

Re: Best card to help authorized user

I would think card with longest line of history.

EX 727 | EQ 720 | TU 740

FREEDOM 4.5k | BCP 9.5k | DISCOVER 2.5k | ARRIVAL+ 7.5k | RITZ CARLTON 15k
No new Apps till Dec 2016
Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.