Helping with AU

[sleepless619]

My mother killed her credit a while ago. I've been rebuilding mine for the past 6 months. Now, I have 3 cards and am an AU on 3 others. I'm wondering if I made my mother an AU on all of my cards and the cards that I'm an AU on, would that help her or would it be too much at once. I could even make her an AU on another card, totaling 7 cards with a total CL of $8,400. Also, she is looking to refinance her house soon, so would now not be a good time. In a tough spot and some advice will be appreciated!

[09Lexie]

Usually being added as an AU would help. It would depend on what ccs you'd be adding ie history, util etc. if DM is thinking about refinancing soon, has she dealt with her baddies?

[sleepless619]

None of the cards are more than six months. And none of them went over 40% and now all remain at about 2-5%

[09Lexie]

Ok and what are the baddies on her cr?

[sleepless619]

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@09Lexie wrote:
Ok and what are the baddies on her cr?

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She has 6 collections. All of them are small amounts. She also had a couple cards that she went late on and closed.

[09Lexie]

How old are the baddies? How late were the cc's? 30, 60, 90?

[sleepless619]

I'm not positive on the specifics.

[09Lexie]

Well, if the baddies are recent adding cc's less than 6 mos old will not give her the same impact to her score. Also, if she's thinking about refinancing I. The next 6 mos- I wouldn't add anything to her cr.