Co Signer vs AU

[TheFate]

Is this basically the same thing in a sense? Or is there a difference?

[coldnmn]

A cosigner your both responsible for the bill an authorized user on an account isn't.

[TheFate]

Ok makes sense

How about as far as Credit goes? Does a Co-signer advantage over a AU?

[coldnmn]

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@TheFate wrote:

Ok makes sense

How about as far as Credit goes? Does a Co-signer advantage over a AU?

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Yes some creditors when applying don't recognize AU accounts.

[TheFate]

Ok thanks I'll be sure to ask before adding. Say I get added on as a AU on a account thats been established for 5 years, if the company reports to my credit aswell would it hurt me if previously the person had a Utl of 50%?

I had her bring it down to 20% now, but for the life of the account it has always been a high Uti rate.

[takeshi74]

Whether an AU or the account holder current utilization is what matters.

[TheFate]

So it doesn't go by the past?